Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$67,048Cash toward the purchase price.
Closing costs + prepaids$15,979Not just lender fees.
Before credits & paid funds$83,027The complete starting cash picture.
Estimated remaining funds due at closing
$83,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,048.29
Your down payment$67,048.29
Closing costs + prepaids$15,978.99
Total buyer cash needed$83,027.28
Remaining funds due$83,027.28
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,114.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,337.50
Initial HOA (3 months)$828.00
Prepaid interest, first (22 days)$1,330.73
Fees + prepaids$15,978.99
Your down payment is the seller’s equity. You take over the $422,952 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $83,027.28 is due at closing. Uses and sources reconcile at $505,978.99 each. Not a Closing Disclosure.