Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$46,546Cash toward the purchase price.
Closing costs + prepaids$15,690Not just lender fees.
Before credits & paid funds$62,236The complete starting cash picture.
Estimated remaining funds due at closing
$62,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,545.86
Your down payment$46,545.86
Closing costs + prepaids$15,689.77
Total buyer cash needed$62,235.63
Remaining funds due$62,235.63
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,267.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$848.75
Prepaid interest, first (25 days)$2,105.76
Fees + prepaids$15,689.77
Your down payment is the seller’s equity. You take over the $453,453 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $62,235.63 is due at closing. Uses and sources reconcile at $515,688.77 each. Not a Closing Disclosure.