Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$49,848Cash toward the purchase price.
Closing costs + prepaids$15,139Not just lender fees.
Before credits & paid funds$64,986The complete starting cash picture.
Estimated remaining funds due at closing
$64,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,847.52
Your down payment$49,847.52
Closing costs + prepaids$15,138.79
Total buyer cash needed$64,986.31
Remaining funds due$64,986.31
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,095.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$927.75
Initial HOA (3 months)$99.00
Prepaid interest, first (31 days)$1,858.28
Fees + prepaids$15,138.79
Your down payment is the seller’s equity. You take over the $419,152 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $64,986.31 is due at closing. Uses and sources reconcile at $484,138.79 each. Not a Closing Disclosure.