Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$55,471Cash toward the purchase price.
Closing costs + prepaids$15,942Not just lender fees.
Before credits & paid funds$71,413The complete starting cash picture.
Estimated remaining funds due at closing
$71,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,471.47
Your down payment$55,471.47
Closing costs + prepaids$15,941.93
Total buyer cash needed$71,413.40
Remaining funds due$71,413.40
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%)$4,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,122.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,200.00
Prepaid interest, first (28 days)$2,351.30
Fees + prepaids$15,941.93
Your down payment is the seller’s equity. You take over the $424,528 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $71,413.40 is due at closing. Uses and sources reconcile at $495,940.93 each. Not a Closing Disclosure.