Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$49,690Cash toward the purchase price.
Closing costs + prepaids$15,965Not just lender fees.
Before credits & paid funds$65,654The complete starting cash picture.
Estimated remaining funds due at closing
$65,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,689.83
Your down payment$49,689.83
Closing costs + prepaids$15,964.61
Total buyer cash needed$65,654.44
Remaining funds due$65,654.44
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,351.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$894.25
Prepaid interest, first (23 days)$2,050.81
Fees + prepaids$15,964.61
Your down payment is the seller’s equity. You take over the $470,310 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $65,654.44 is due at closing. Uses and sources reconcile at $535,964.61 each. Not a Closing Disclosure.