Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$67,295Cash toward the purchase price.
Closing costs + prepaids$14,682Not just lender fees.
Before credits & paid funds$81,977The complete starting cash picture.
Estimated remaining funds due at closing
$81,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,295.28
Your down payment$67,295.28
Closing costs + prepaids$14,682.17
Total buyer cash needed$81,977.45
Remaining funds due$81,977.45
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%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,108.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,222.50
Prepaid interest, first (28 days)$993.14
Fees + prepaids$14,682.17
Your down payment is the seller’s equity. You take over the $421,705 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $81,977.45 is due at closing. Uses and sources reconcile at $503,682.17 each. Not a Closing Disclosure.