Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$26,676Cash toward the purchase price.
Closing costs + prepaids$16,354Not just lender fees.
Before credits & paid funds$43,030The complete starting cash picture.
Estimated remaining funds due at closing
$43,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,676.42
Your down payment$26,676.42
Closing costs + prepaids$16,353.94
Total buyer cash needed$43,030.36
Remaining funds due$43,030.36
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%)$2,316.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,225.00
Prepaid interest, first (29 days)$2,444.32
Fees + prepaids$16,353.94
Your down payment is the seller’s equity. You take over the $463,324 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $43,030.36 is due at closing. Uses and sources reconcile at $506,353.94 each. Not a Closing Disclosure.