Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$63,360Cash toward the purchase price.
Closing costs + prepaids$15,444Not just lender fees.
Before credits & paid funds$78,804The complete starting cash picture.
Estimated remaining funds due at closing
$78,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,359.75
Your down payment$63,359.75
Closing costs + prepaids$15,443.80
Total buyer cash needed$78,803.55
Remaining funds due$78,803.55
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%)$2,133.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$773.25
Initial HOA (3 months)$267.00
Prepaid interest, first (31 days)$1,902.35
Fees + prepaids$15,443.80
Your down payment is the seller’s equity. You take over the $426,640 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $78,803.55 is due at closing. Uses and sources reconcile at $505,443.80 each. Not a Closing Disclosure.