Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$63,103Cash toward the purchase price.
Closing costs + prepaids$13,788Not just lender fees.
Before credits & paid funds$76,892The complete starting cash picture.
Estimated remaining funds due at closing
$76,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,103.47
Your down payment$63,103.47
Closing costs + prepaids$13,788.44
Total buyer cash needed$76,891.91
Remaining funds due$76,891.91
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%)$2,134.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$521.75
Prepaid interest, first (22 days)$764.20
Fees + prepaids$13,788.44
Your down payment is the seller’s equity. You take over the $426,897 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $76,891.91 is due at closing. Uses and sources reconcile at $503,788.44 each. Not a Closing Disclosure.