Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$49,200Cash toward the purchase price.
Closing costs + prepaids$15,906Not just lender fees.
Before credits & paid funds$65,106The complete starting cash picture.
Estimated remaining funds due at closing
$65,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,200.35
Your down payment$49,200.35
Closing costs + prepaids$15,905.85
Total buyer cash needed$65,106.21
Remaining funds due$65,106.21
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,229.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,282.00
Initial HOA (3 months)$147.00
Prepaid interest, first (22 days)$1,829.85
Fees + prepaids$15,905.85
Your down payment is the seller’s equity. You take over the $445,800 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $65,106.21 is due at closing. Uses and sources reconcile at $510,905.85 each. Not a Closing Disclosure.