Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$46,757Cash toward the purchase price.
Closing costs + prepaids$15,493Not just lender fees.
Before credits & paid funds$62,250The complete starting cash picture.
Estimated remaining funds due at closing
$62,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,756.71
Your down payment$46,756.71
Closing costs + prepaids$15,493.35
Total buyer cash needed$62,250.06
Remaining funds due$62,250.06
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%)$5,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,315.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,274.75
Prepaid interest, first (28 days)$1,335.88
Fees + prepaids$15,493.35
Your down payment is the seller’s equity. You take over the $463,143 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $62,250.06 is due at closing. Uses and sources reconcile at $525,393.35 each. Not a Closing Disclosure.