Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,395Cash toward the purchase price.
Closing costs + prepaids$14,587Not just lender fees.
Before credits & paid funds$66,982The complete starting cash picture.
Estimated remaining funds due at closing
$66,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,395.37
Your down payment$52,395.37
Closing costs + prepaids$14,586.88
Total buyer cash needed$66,982.26
Remaining funds due$66,982.26
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,163.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,124.50
Prepaid interest, first (24 days)$981.36
Fees + prepaids$14,586.88
Your down payment is the seller’s equity. You take over the $432,605 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $66,982.26 is due at closing. Uses and sources reconcile at $499,586.88 each. Not a Closing Disclosure.