Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$32,495Cash toward the purchase price.
Closing costs + prepaids$15,461Not just lender fees.
Before credits & paid funds$47,956The complete starting cash picture.
Estimated remaining funds due at closing
$47,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,494.63
Your down payment$32,494.63
Closing costs + prepaids$15,461.15
Total buyer cash needed$47,955.78
Remaining funds due$47,955.78
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%)$2,187.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$536.50
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$2,480.63
Fees + prepaids$15,461.15
Your down payment is the seller’s equity. You take over the $437,405 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $47,955.78 is due at closing. Uses and sources reconcile at $485,361.15 each. Not a Closing Disclosure.