Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$53,786Cash toward the purchase price.
Closing costs + prepaids$14,349Not just lender fees.
Before credits & paid funds$68,135The complete starting cash picture.
Estimated remaining funds due at closing
$68,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,786.23
Your down payment$53,786.23
Closing costs + prepaids$14,348.72
Total buyer cash needed$68,134.94
Remaining funds due$68,134.94
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,206.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,582.25
Prepaid interest, first (2 days)$142.40
Fees + prepaids$14,348.72
Your down payment is the seller’s equity. You take over the $441,214 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $68,134.94 is due at closing. Uses and sources reconcile at $509,348.72 each. Not a Closing Disclosure.