Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,896Cash toward the purchase price.
Closing costs + prepaids$15,946Not just lender fees.
Before credits & paid funds$46,842The complete starting cash picture.
Estimated remaining funds due at closing
$46,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,896.32
Your down payment$30,896.32
Closing costs + prepaids$15,945.82
Total buyer cash needed$46,842.14
Remaining funds due$46,842.14
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,195.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,174.75
Initial HOA (3 months)$75.00
Prepaid interest, first (31 days)$2,334.06
Fees + prepaids$15,945.82
Your down payment is the seller’s equity. You take over the $439,004 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $46,842.14 is due at closing. Uses and sources reconcile at $485,845.82 each. Not a Closing Disclosure.