Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,496Cash toward the purchase price.
Closing costs + prepaids$15,411Not just lender fees.
Before credits & paid funds$51,908The complete starting cash picture.
Estimated remaining funds due at closing
$51,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,496.32
Your down payment$36,496.32
Closing costs + prepaids$15,411.21
Total buyer cash needed$51,907.53
Remaining funds due$51,907.53
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%)$2,292.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,237.50
Prepaid interest, first (28 days)$1,463.19
Fees + prepaids$15,411.21
Your down payment is the seller’s equity. You take over the $458,504 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $51,907.53 is due at closing. Uses and sources reconcile at $510,411.21 each. Not a Closing Disclosure.