Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$44,358Cash toward the purchase price.
Closing costs + prepaids$16,294Not just lender fees.
Before credits & paid funds$60,652The complete starting cash picture.
Estimated remaining funds due at closing
$60,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,358.00
Your down payment$44,358.00
Closing costs + prepaids$16,293.67
Total buyer cash needed$60,651.67
Remaining funds due$60,651.67
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%)$2,227.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,544.00
Prepaid interest, first (26 days)$2,154.96
Fees + prepaids$16,293.67
Your down payment is the seller’s equity. You take over the $445,542 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $60,651.67 is due at closing. Uses and sources reconcile at $506,193.67 each. Not a Closing Disclosure.