Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,985Cash toward the purchase price.
Closing costs + prepaids$15,790Not just lender fees.
Before credits & paid funds$67,775The complete starting cash picture.
Estimated remaining funds due at closing
$67,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,984.53
Your down payment$51,984.53
Closing costs + prepaids$15,790.07
Total buyer cash needed$67,774.60
Remaining funds due$67,774.60
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%)$2,190.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$931.75
Initial HOA (3 months)$60.00
Prepaid interest, first (26 days)$2,240.24
Fees + prepaids$15,790.07
Your down payment is the seller’s equity. You take over the $438,015 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $67,774.60 is due at closing. Uses and sources reconcile at $505,790.07 each. Not a Closing Disclosure.