Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$34,205Cash toward the purchase price.
Closing costs + prepaids$14,272Not just lender fees.
Before credits & paid funds$48,477The complete starting cash picture.
Estimated remaining funds due at closing
$48,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,205.04
Your down payment$34,205.04
Closing costs + prepaids$14,271.94
Total buyer cash needed$48,476.98
Remaining funds due$48,476.98
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%)$2,278.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Prepaid interest, first (12 days)$1,036.96
Fees + prepaids$14,271.94
Your down payment is the seller’s equity. You take over the $455,795 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $48,476.98 is due at closing. Uses and sources reconcile at $504,271.94 each. Not a Closing Disclosure.