Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,847Cash toward the purchase price.
Closing costs + prepaids$15,239Not just lender fees.
Before credits & paid funds$40,086The complete starting cash picture.
Estimated remaining funds due at closing
$40,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,847.08
Your down payment$24,847.08
Closing costs + prepaids$15,239.28
Total buyer cash needed$40,086.36
Remaining funds due$40,086.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,325.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$314.25
Prepaid interest, first (26 days)$2,232.76
Fees + prepaids$15,239.28
Your down payment is the seller’s equity. You take over the $465,053 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $40,086.36 is due at closing. Uses and sources reconcile at $505,139.28 each. Not a Closing Disclosure.