Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$50,079Cash toward the purchase price.
Closing costs + prepaids$13,498Not just lender fees.
Before credits & paid funds$63,576The complete starting cash picture.
Estimated remaining funds due at closing
$63,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,078.76
Your down payment$50,078.76
Closing costs + prepaids$13,497.66
Total buyer cash needed$63,576.42
Remaining funds due$63,576.42
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,074.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,162.50
Prepaid interest, first (2 days)$142.55
Fees + prepaids$13,497.66
Your down payment is the seller’s equity. You take over the $414,921 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $63,576.42 is due at closing. Uses and sources reconcile at $478,497.66 each. Not a Closing Disclosure.