Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,668Cash toward the purchase price.
Closing costs + prepaids$17,409Not just lender fees.
Before credits & paid funds$52,078The complete starting cash picture.
Estimated remaining funds due at closing
$52,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,668.42
Your down payment$34,668.42
Closing costs + prepaids$17,409.41
Total buyer cash needed$52,077.83
Remaining funds due$52,077.83
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,276.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,661.00
Initial HOA (3 months)$480.00
Prepaid interest, first (31 days)$2,625.25
Fees + prepaids$17,409.41
Your down payment is the seller’s equity. You take over the $455,232 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $52,077.83 is due at closing. Uses and sources reconcile at $507,309.41 each. Not a Closing Disclosure.