Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$49,477Cash toward the purchase price.
Closing costs + prepaids$13,994Not just lender fees.
Before credits & paid funds$63,471The complete starting cash picture.
Estimated remaining funds due at closing
$63,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,476.88
Your down payment$49,476.88
Closing costs + prepaids$13,993.80
Total buyer cash needed$63,470.68
Remaining funds due$63,470.68
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,247.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$598.75
Prepaid interest, first (9 days)$689.43
Fees + prepaids$13,993.80
Your down payment is the seller’s equity. You take over the $449,523 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $63,470.68 is due at closing. Uses and sources reconcile at $512,993.80 each. Not a Closing Disclosure.