Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,922Cash toward the purchase price.
Closing costs + prepaids$16,156Not just lender fees.
Before credits & paid funds$65,078The complete starting cash picture.
Estimated remaining funds due at closing
$65,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,922.37
Your down payment$48,922.37
Closing costs + prepaids$16,155.60
Total buyer cash needed$65,077.97
Remaining funds due$65,077.97
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%)$4,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,045.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,183.75
Initial HOA (3 months)$231.00
Prepaid interest, first (31 days)$2,647.46
Fees + prepaids$16,155.60
Your down payment is the seller’s equity. You take over the $409,078 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $65,077.97 is due at closing. Uses and sources reconcile at $474,155.60 each. Not a Closing Disclosure.