Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,442Cash toward the purchase price.
Closing costs + prepaids$15,183Not just lender fees.
Before credits & paid funds$50,625The complete starting cash picture.
Estimated remaining funds due at closing
$50,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,441.82
Your down payment$35,441.82
Closing costs + prepaids$15,183.03
Total buyer cash needed$50,624.85
Remaining funds due$50,624.85
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%)$2,272.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$324.99
Prepaid interest, first (27 days)$2,218.75
Fees + prepaids$15,183.03
Your down payment is the seller’s equity. You take over the $454,458 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $50,624.85 is due at closing. Uses and sources reconcile at $505,083.03 each. Not a Closing Disclosure.