Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,283Cash toward the purchase price.
Closing costs + prepaids$15,292Not just lender fees.
Before credits & paid funds$49,576The complete starting cash picture.
Estimated remaining funds due at closing
$49,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,283.36
Your down payment$34,283.36
Closing costs + prepaids$15,292.27
Total buyer cash needed$49,575.63
Remaining funds due$49,575.63
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,103.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$627.50
Initial HOA (3 months)$141.99
Prepaid interest, first (31 days)$2,401.20
Fees + prepaids$15,292.27
Your down payment is the seller’s equity. You take over the $420,717 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $49,575.63 is due at closing. Uses and sources reconcile at $470,292.27 each. Not a Closing Disclosure.