Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,576Cash toward the purchase price.
Closing costs + prepaids$14,968Not 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$34,575.60
Your down payment$34,575.60
Closing costs + prepaids$14,967.65
Total buyer cash needed$49,543.25
Remaining funds due$49,543.25
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%)$2,077.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$556.25
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$2,346.29
Fees + prepaids$14,967.65
Your down payment is the seller’s equity. You take over the $415,423 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $49,543.25 is due at closing. Uses and sources reconcile at $464,966.65 each. Not a Closing Disclosure.