Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$8,738Cash toward the purchase price.
Closing costs + prepaids$16,612Not just lender fees.
Before credits & paid funds$25,350The complete starting cash picture.
Estimated remaining funds due at closing
$25,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,737.85
Your down payment$8,737.85
Closing costs + prepaids$16,612.22
Total buyer cash needed$25,350.07
Remaining funds due$25,350.07
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%)$2,406.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,275.75
Prepaid interest, first (28 days)$2,562.16
Fees + prepaids$16,612.22
Your down payment is the seller’s equity. You take over the $481,262 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $25,350.07 is due at closing. Uses and sources reconcile at $506,612.22 each. Not a Closing Disclosure.