Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$46,165Cash toward the purchase price.
Closing costs + prepaids$14,688Not just lender fees.
Before credits & paid funds$60,853The complete starting cash picture.
Estimated remaining funds due at closing
$60,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,164.73
Your down payment$46,164.73
Closing costs + prepaids$14,688.49
Total buyer cash needed$60,853.23
Remaining funds due$60,853.23
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%)$4,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,204.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$365.75
Initial HOA (3 months)$170.01
Prepaid interest, first (21 days)$1,610.56
Fees + prepaids$14,688.49
Your down payment is the seller’s equity. You take over the $440,835 balance, so the rest of the $487,000 price is paid at closing. A second mortgage can cover part of it. $60,853.23 is due at closing. Uses and sources reconcile at $501,688.49 each. Not a Closing Disclosure.