Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$51,985Cash toward the purchase price.
Closing costs + prepaids$13,723Not just lender fees.
Before credits & paid funds$65,708The complete starting cash picture.
Estimated remaining funds due at closing
$65,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,984.53
Your down payment$51,984.53
Closing costs + prepaids$13,723.06
Total buyer cash needed$65,707.59
Remaining funds due$65,707.59
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%)$2,190.08
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)$60.00
Prepaid interest, first (6 days)$516.98
Fees + prepaids$13,723.06
Your down payment is the seller’s equity. You take over the $438,015 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $65,707.59 is due at closing. Uses and sources reconcile at $503,723.06 each. Not a Closing Disclosure.