Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$57,757Cash toward the purchase price.
Closing costs + prepaids$15,598Not just lender fees.
Before credits & paid funds$73,355The complete starting cash picture.
Estimated remaining funds due at closing
$73,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,756.96
Your down payment$57,756.96
Closing costs + prepaids$15,598.05
Total buyer cash needed$73,355.00
Remaining funds due$73,355.00
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%)$2,136.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$694.25
Initial HOA (3 months)$1,440.00
Prepaid interest, first (25 days)$1,009.58
Fees + prepaids$15,598.05
Your down payment is the seller’s equity. You take over the $427,243 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $73,355.00 is due at closing. Uses and sources reconcile at $500,598.05 each. Not a Closing Disclosure.