Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,816Cash toward the purchase price.
Closing costs + prepaids$15,460Not just lender fees.
Before credits & paid funds$48,276The complete starting cash picture.
Estimated remaining funds due at closing
$48,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,815.71
Your down payment$32,815.71
Closing costs + prepaids$15,460.33
Total buyer cash needed$48,276.04
Remaining funds due$48,276.04
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%)$2,285.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$282.50
Prepaid interest, first (31 days)$2,523.91
Fees + prepaids$15,460.33
Your down payment is the seller’s equity. You take over the $457,184 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $48,276.04 is due at closing. Uses and sources reconcile at $505,460.33 each. Not a Closing Disclosure.