Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$49,163Cash toward the purchase price.
Closing costs + prepaids$14,911Not just lender fees.
Before credits & paid funds$64,074The complete starting cash picture.
Estimated remaining funds due at closing
$64,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,163.27
Your down payment$49,163.27
Closing costs + prepaids$14,910.91
Total buyer cash needed$64,074.17
Remaining funds due$64,074.17
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%)$2,179.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,112.25
Initial HOA (3 months)$228.00
Prepaid interest, first (29 days)$1,073.47
Fees + prepaids$14,910.91
Your down payment is the seller’s equity. You take over the $435,837 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $64,074.17 is due at closing. Uses and sources reconcile at $499,910.91 each. Not a Closing Disclosure.