Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$51,234Cash toward the purchase price.
Closing costs + prepaids$14,314Not just lender fees.
Before credits & paid funds$65,548The complete starting cash picture.
Estimated remaining funds due at closing
$65,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,233.91
Your down payment$51,233.91
Closing costs + prepaids$14,314.25
Total buyer cash needed$65,548.17
Remaining funds due$65,548.17
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%)$4,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,218.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,262.00
Prepaid interest, first (5 days)$416.92
Fees + prepaids$14,314.25
Your down payment is the seller’s equity. You take over the $443,666 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $65,548.17 is due at closing. Uses and sources reconcile at $509,214.25 each. Not a Closing Disclosure.