Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$53,537Cash toward the purchase price.
Closing costs + prepaids$14,550Not just lender fees.
Before credits & paid funds$68,087The complete starting cash picture.
Estimated remaining funds due at closing
$68,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,537.21
Your down payment$53,537.21
Closing costs + prepaids$14,549.54
Total buyer cash needed$68,086.75
Remaining funds due$68,086.75
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%)$2,182.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$506.25
Initial HOA (3 months)$204.75
Prepaid interest, first (21 days)$1,288.22
Fees + prepaids$14,549.54
Your down payment is the seller’s equity. You take over the $436,463 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $68,086.75 is due at closing. Uses and sources reconcile at $504,549.54 each. Not a Closing Disclosure.