Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,505Cash toward the purchase price.
Closing costs + prepaids$13,692Not just lender fees.
Before credits & paid funds$65,197The complete starting cash picture.
Estimated remaining funds due at closing
$65,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,505.39
Your down payment$51,505.39
Closing costs + prepaids$13,691.92
Total buyer cash needed$65,197.31
Remaining funds due$65,197.31
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,167.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,124.50
Prepaid interest, first (2 days)$81.95
Fees + prepaids$13,691.92
Your down payment is the seller’s equity. You take over the $433,495 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $65,197.31 is due at closing. Uses and sources reconcile at $498,691.92 each. Not a Closing Disclosure.