Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$27,862Cash toward the purchase price.
Closing costs + prepaids$15,183Not just lender fees.
Before credits & paid funds$43,045The complete starting cash picture.
Estimated remaining funds due at closing
$43,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,862.26
Your down payment$27,862.26
Closing costs + prepaids$15,183.18
Total buyer cash needed$43,045.44
Remaining funds due$43,045.44
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%)$4,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,310.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$541.75
Prepaid interest, first (23 days)$1,962.75
Fees + prepaids$15,183.18
Your down payment is the seller’s equity. You take over the $462,137 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $43,045.44 is due at closing. Uses and sources reconcile at $505,182.18 each. Not a Closing Disclosure.