Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$53,167Cash toward the purchase price.
Closing costs + prepaids$14,797Not just lender fees.
Before credits & paid funds$67,964The complete starting cash picture.
Estimated remaining funds due at closing
$67,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,166.63
Your down payment$53,166.63
Closing costs + prepaids$14,796.93
Total buyer cash needed$67,963.57
Remaining funds due$67,963.57
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%)$4,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,158.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$609.00
Prepaid interest, first (22 days)$1,712.27
Fees + prepaids$14,796.93
Your down payment is the seller’s equity. You take over the $431,733 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $67,963.57 is due at closing. Uses and sources reconcile at $499,696.93 each. Not a Closing Disclosure.