Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,205Cash toward the purchase price.
Closing costs + prepaids$15,493Not just lender fees.
Before credits & paid funds$49,698The complete starting cash picture.
Estimated remaining funds due at closing
$49,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,205.04
Your down payment$34,205.04
Closing costs + prepaids$15,493.07
Total buyer cash needed$49,698.11
Remaining funds due$49,698.11
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,278.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$685.75
Prepaid interest, first (25 days)$2,160.34
Fees + prepaids$15,493.07
Your down payment is the seller’s equity. You take over the $455,795 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $49,698.11 is due at closing. Uses and sources reconcile at $505,493.07 each. Not a Closing Disclosure.