Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$48,880Cash toward the purchase price.
Closing costs + prepaids$15,497Not just lender fees.
Before credits & paid funds$64,377The complete starting cash picture.
Estimated remaining funds due at closing
$64,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,879.70
Your down payment$48,879.70
Closing costs + prepaids$15,497.10
Total buyer cash needed$64,376.80
Remaining funds due$64,376.80
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%)$4,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,180.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,211.00
Prepaid interest, first (24 days)$1,789.00
Fees + prepaids$15,497.10
Your down payment is the seller’s equity. You take over the $436,020 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $64,376.80 is due at closing. Uses and sources reconcile at $500,397.10 each. Not a Closing Disclosure.