Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$52,892Cash toward the purchase price.
Closing costs + prepaids$15,808Not just lender fees.
Before credits & paid funds$68,700The complete starting cash picture.
Estimated remaining funds due at closing
$68,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,892.05
Your down payment$52,892.05
Closing costs + prepaids$15,807.68
Total buyer cash needed$68,699.73
Remaining funds due$68,699.73
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,210.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,226.00
Initial HOA (3 months)$285.00
Prepaid interest, first (22 days)$1,668.14
Fees + prepaids$15,807.68
Your down payment is the seller’s equity. You take over the $442,108 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $68,699.73 is due at closing. Uses and sources reconcile at $510,807.68 each. Not a Closing Disclosure.