Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$32,816Cash toward the purchase price.
Closing costs + prepaids$13,975Not just lender fees.
Before credits & paid funds$46,790The complete starting cash picture.
Estimated remaining funds due at closing
$46,790No 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$13,974.67
Total buyer cash needed$46,790.38
Remaining funds due$46,790.38
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)$588.00
Prepaid interest, first (9 days)$732.75
Fees + prepaids$13,974.67
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. $46,790.38 is due at closing. Uses and sources reconcile at $503,974.67 each. Not a Closing Disclosure.