Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$43,664Cash toward the purchase price.
Closing costs + prepaids$14,189Not just lender fees.
Before credits & paid funds$57,853The complete starting cash picture.
Estimated remaining funds due at closing
$57,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,663.93
Your down payment$43,663.93
Closing costs + prepaids$14,189.49
Total buyer cash needed$57,853.42
Remaining funds due$57,853.42
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,231.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Initial HOA (3 months)$48.00
Prepaid interest, first (12 days)$953.81
Fees + prepaids$14,189.49
Your down payment is the seller’s equity. You take over the $446,336 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $57,853.42 is due at closing. Uses and sources reconcile at $504,189.49 each. Not a Closing Disclosure.