Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,619Cash toward the purchase price.
Closing costs + prepaids$15,299Not just lender fees.
Before credits & paid funds$65,918The complete starting cash picture.
Estimated remaining funds due at closing
$65,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,618.97
Your down payment$50,618.97
Closing costs + prepaids$15,298.79
Total buyer cash needed$65,917.75
Remaining funds due$65,917.75
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%)$5,115.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,304.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,278.75
Prepaid interest, first (26 days)$1,132.63
Fees + prepaids$15,298.79
Your down payment is the seller’s equity. You take over the $460,881 balance, so the rest of the $511,500 price is paid at closing. A second mortgage can cover part of it. $65,917.75 is due at closing. Uses and sources reconcile at $526,798.79 each. Not a Closing Disclosure.