Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$50,632Cash toward the purchase price.
Closing costs + prepaids$14,630Not just lender fees.
Before credits & paid funds$65,262The complete starting cash picture.
Estimated remaining funds due at closing
$65,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,632.11
Your down payment$50,632.11
Closing costs + prepaids$14,629.63
Total buyer cash needed$65,261.73
Remaining funds due$65,261.73
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%)$4,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,211.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$348.00
Prepaid interest, first (22 days)$1,671.79
Fees + prepaids$14,629.63
Your down payment is the seller’s equity. You take over the $442,368 balance, so the rest of the $493,000 price is paid at closing. A second mortgage can cover part of it. $65,261.73 is due at closing. Uses and sources reconcile at $507,629.63 each. Not a Closing Disclosure.