Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$49,477Cash toward the purchase price.
Closing costs + prepaids$14,070Not just lender fees.
Before credits & paid funds$63,547The complete starting cash picture.
Estimated remaining funds due at closing
$63,547No 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$14,070.40
Total buyer cash needed$63,547.29
Remaining funds due$63,547.29
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 (10 days)$766.04
Fees + prepaids$14,070.40
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. $63,547.29 is due at closing. Uses and sources reconcile at $513,070.40 each. Not a Closing Disclosure.