Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,258Cash toward the purchase price.
Closing costs + prepaids$15,524Not just lender fees.
Before credits & paid funds$59,782The complete starting cash picture.
Estimated remaining funds due at closing
$59,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,257.70
Your down payment$44,257.70
Closing costs + prepaids$15,524.10
Total buyer cash needed$59,781.81
Remaining funds due$59,781.81
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,178.21
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 (25 days)$1,867.89
Fees + prepaids$15,524.10
Your down payment is the seller’s equity. You take over the $435,642 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $59,781.81 is due at closing. Uses and sources reconcile at $495,424.10 each. Not a Closing Disclosure.