Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$57,012Cash toward the purchase price.
Closing costs + prepaids$15,429Not just lender fees.
Before credits & paid funds$72,441The complete starting cash picture.
Estimated remaining funds due at closing
$72,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,012.01
Your down payment$57,012.01
Closing costs + prepaids$15,429.27
Total buyer cash needed$72,441.28
Remaining funds due$72,441.28
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,139.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,300.75
Initial HOA (3 months)$324.00
Prepaid interest, first (22 days)$1,346.58
Fees + prepaids$15,429.27
Your down payment is the seller’s equity. You take over the $427,988 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $72,441.28 is due at closing. Uses and sources reconcile at $500,429.27 each. Not a Closing Disclosure.