Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$59,911Cash toward the purchase price.
Closing costs + prepaids$15,526Not just lender fees.
Before credits & paid funds$75,436The complete starting cash picture.
Estimated remaining funds due at closing
$75,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,910.62
Your down payment$59,910.62
Closing costs + prepaids$15,525.71
Total buyer cash needed$75,436.33
Remaining funds due$75,436.33
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%)$4,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,024.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,487.75
Prepaid interest, first (24 days)$1,896.02
Fees + prepaids$15,525.71
Your down payment is the seller’s equity. You take over the $404,989 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $75,436.33 is due at closing. Uses and sources reconcile at $480,425.71 each. Not a Closing Disclosure.