Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,814Cash toward the purchase price.
Closing costs + prepaids$14,940Not just lender fees.
Before credits & paid funds$44,754The complete starting cash picture.
Estimated remaining funds due at closing
$44,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,813.78
Your down payment$29,813.78
Closing costs + prepaids$14,939.73
Total buyer cash needed$44,753.50
Remaining funds due$44,753.50
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,095.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$439.50
Initial HOA (3 months)$432.00
Prepaid interest, first (31 days)$2,264.29
Fees + prepaids$14,939.73
Your down payment is the seller’s equity. You take over the $419,186 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $44,753.50 is due at closing. Uses and sources reconcile at $463,939.73 each. Not a Closing Disclosure.