Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$58,600Cash toward the purchase price.
Closing costs + prepaids$14,644Not just lender fees.
Before credits & paid funds$73,244The complete starting cash picture.
Estimated remaining funds due at closing
$73,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,600.14
Your down payment$58,600.14
Closing costs + prepaids$14,644.02
Total buyer cash needed$73,244.16
Remaining funds due$73,244.16
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%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,152.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,081.25
Prepaid interest, first (31 days)$1,052.77
Fees + prepaids$14,644.02
Your down payment is the seller’s equity. You take over the $430,400 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $73,244.16 is due at closing. Uses and sources reconcile at $503,644.02 each. Not a Closing Disclosure.