Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,664Cash toward the purchase price.
Closing costs + prepaids$30,818Not just lender fees.
Before credits & paid funds$76,482The complete starting cash picture.
Estimated remaining funds due at closing
$76,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,664.21
Your down payment$45,664.21
Closing costs + prepaids$30,817.99
Total buyer cash needed$76,482.20
Remaining funds due$76,482.20
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%)$10,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,021.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,625.00
Initial HOA (3 months)$525.00
Prepaid interest, first (31 days)$5,928.33
Fees + prepaids$30,817.99
Your down payment is the seller’s equity. You take over the $1,004,335 balance, so the rest of the $1,049,999 price is paid at closing. A second mortgage can cover part of it. $76,482.20 is due at closing. Uses and sources reconcile at $1,080,816.99 each. Not a Closing Disclosure.