Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$71,351Cash toward the purchase price.
Closing costs + prepaids$13,601Not just lender fees.
Before credits & paid funds$84,952The complete starting cash picture.
Estimated remaining funds due at closing
$84,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,351.04
Your down payment$71,351.04
Closing costs + prepaids$13,601.46
Total buyer cash needed$84,952.49
Remaining funds due$84,952.49
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%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,088.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$586.75
Prepaid interest, first (9 days)$568.46
Fees + prepaids$13,601.46
Your down payment is the seller’s equity. You take over the $417,649 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $84,952.49 is due at closing. Uses and sources reconcile at $502,601.46 each. Not a Closing Disclosure.