Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,734Cash toward the purchase price.
Closing costs + prepaids$15,437Not just lender fees.
Before credits & paid funds$51,171The complete starting cash picture.
Estimated remaining funds due at closing
$51,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,733.97
Your down payment$35,733.97
Closing costs + prepaids$15,436.94
Total buyer cash needed$51,170.91
Remaining funds due$51,170.91
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,071.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$513.25
Initial HOA (3 months)$675.00
Prepaid interest, first (31 days)$2,459.37
Fees + prepaids$15,436.94
Your down payment is the seller’s equity. You take over the $414,265 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $51,170.91 is due at closing. Uses and sources reconcile at $465,435.94 each. Not a Closing Disclosure.