Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$60,671Cash toward the purchase price.
Closing costs + prepaids$16,021Not just lender fees.
Before credits & paid funds$76,692The complete starting cash picture.
Estimated remaining funds due at closing
$76,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,671.21
Your down payment$60,671.21
Closing costs + prepaids$16,021.02
Total buyer cash needed$76,692.24
Remaining funds due$76,692.24
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,146.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$764.50
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$2,441.88
Fees + prepaids$16,021.02
Your down payment is the seller’s equity. You take over the $429,329 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $76,692.24 is due at closing. Uses and sources reconcile at $506,021.02 each. Not a Closing Disclosure.