Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$33,736Cash toward the purchase price.
Closing costs + prepaids$15,594Not just lender fees.
Before credits & paid funds$49,331The complete starting cash picture.
Estimated remaining funds due at closing
$49,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,736.41
Your down payment$33,736.41
Closing costs + prepaids$15,594.12
Total buyer cash needed$49,330.52
Remaining funds due$49,330.52
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,280.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,224.75
Prepaid interest, first (25 days)$1,721.55
Fees + prepaids$15,594.12
Your down payment is the seller’s equity. You take over the $456,164 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $49,330.52 is due at closing. Uses and sources reconcile at $505,494.12 each. Not a Closing Disclosure.