Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$48,879Cash toward the purchase price.
Closing costs + prepaids$15,379Not just lender fees.
Before credits & paid funds$64,258The complete starting cash picture.
Estimated remaining funds due at closing
$64,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,879.20
Your down payment$48,879.20
Closing costs + prepaids$15,378.95
Total buyer cash needed$64,258.15
Remaining funds due$64,258.15
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,055.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,150.00
Initial HOA (3 months)$47.49
Prepaid interest, first (30 days)$2,057.86
Fees + prepaids$15,378.95
Your down payment is the seller’s equity. You take over the $411,121 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $64,258.15 is due at closing. Uses and sources reconcile at $475,378.95 each. Not a Closing Disclosure.