Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$34,707Cash toward the purchase price.
Closing costs + prepaids$14,357Not just lender fees.
Before credits & paid funds$49,064The complete starting cash picture.
Estimated remaining funds due at closing
$49,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,706.65
Your down payment$34,706.65
Closing costs + prepaids$14,357.43
Total buyer cash needed$49,064.07
Remaining funds due$49,064.07
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%)$4,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,300.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.00
Prepaid interest, first (12 days)$1,045.46
Fees + prepaids$14,357.43
Your down payment is the seller’s equity. You take over the $460,193 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $49,064.07 is due at closing. Uses and sources reconcile at $509,257.43 each. Not a Closing Disclosure.