Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$55,632Cash toward the purchase price.
Closing costs + prepaids$15,212Not just lender fees.
Before credits & paid funds$70,844The complete starting cash picture.
Estimated remaining funds due at closing
$70,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,632.11
Your down payment$55,632.11
Closing costs + prepaids$15,211.56
Total buyer cash needed$70,843.67
Remaining funds due$70,843.67
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%)$4,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,211.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$348.00
Prepaid interest, first (29 days)$2,203.72
Fees + prepaids$15,211.56
Your down payment is the seller’s equity. You take over the $442,368 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $70,843.67 is due at closing. Uses and sources reconcile at $513,211.56 each. Not a Closing Disclosure.