Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$63,367Cash toward the purchase price.
Closing costs + prepaids$16,432Not just lender fees.
Before credits & paid funds$79,800The complete starting cash picture.
Estimated remaining funds due at closing
$79,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,367.47
Your down payment$63,367.47
Closing costs + prepaids$16,432.15
Total buyer cash needed$79,799.61
Remaining funds due$79,799.61
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%)$2,108.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,563.75
Prepaid interest, first (31 days)$2,442.23
Fees + prepaids$16,432.15
Your down payment is the seller’s equity. You take over the $421,633 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $79,799.61 is due at closing. Uses and sources reconcile at $501,432.15 each. Not a Closing Disclosure.