Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$34,591Cash toward the purchase price.
Closing costs + prepaids$14,952Not just lender fees.
Before credits & paid funds$49,543The complete starting cash picture.
Estimated remaining funds due at closing
$49,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,590.91
Your down payment$34,590.91
Closing costs + prepaids$14,951.62
Total buyer cash needed$49,542.53
Remaining funds due$49,542.53
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%)$4,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,297.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$617.50
Initial HOA (3 months)$600.00
Prepaid interest, first (16 days)$1,029.08
Fees + prepaids$14,951.62
Your down payment is the seller’s equity. You take over the $459,409 balance, so the rest of the $494,000 price is paid at closing. A second mortgage can cover part of it. $49,542.53 is due at closing. Uses and sources reconcile at $508,951.62 each. Not a Closing Disclosure.