Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$50,635Cash toward the purchase price.
Closing costs + prepaids$14,454Not just lender fees.
Before credits & paid funds$65,089The complete starting cash picture.
Estimated remaining funds due at closing
$65,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,634.94
Your down payment$50,634.94
Closing costs + prepaids$14,454.08
Total buyer cash needed$65,089.02
Remaining funds due$65,089.02
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%)$4,849.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,171.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$335.25
Initial HOA (3 months)$335.01
Prepaid interest, first (29 days)$1,294.14
Fees + prepaids$14,454.08
Your down payment is the seller’s equity. You take over the $434,355 balance, so the rest of the $484,990 price is paid at closing. A second mortgage can cover part of it. $65,089.02 is due at closing. Uses and sources reconcile at $499,444.08 each. Not a Closing Disclosure.