Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$60,990Cash toward the purchase price.
Closing costs + prepaids$15,610Not just lender fees.
Before credits & paid funds$76,600The complete starting cash picture.
Estimated remaining funds due at closing
$76,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,990.09
Your down payment$60,990.09
Closing costs + prepaids$15,610.34
Total buyer cash needed$76,600.43
Remaining funds due$76,600.43
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%)$2,144.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,548.25
Initial HOA (3 months)$96.24
Prepaid interest, first (28 days)$1,454.30
Fees + prepaids$15,610.34
Your down payment is the seller’s equity. You take over the $428,910 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $76,600.43 is due at closing. Uses and sources reconcile at $505,510.34 each. Not a Closing Disclosure.