Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,986Cash toward the purchase price.
Closing costs + prepaids$14,594Not just lender fees.
Before credits & paid funds$49,580The complete starting cash picture.
Estimated remaining funds due at closing
$49,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,985.53
Your down payment$34,985.53
Closing costs + prepaids$14,594.09
Total buyer cash needed$49,579.63
Remaining funds due$49,579.63
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,075.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,155.00
Initial HOA (3 months)$285.00
Prepaid interest, first (30 days)$1,361.02
Fees + prepaids$14,594.09
Your down payment is the seller’s equity. You take over the $415,014 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $49,579.63 is due at closing. Uses and sources reconcile at $464,594.09 each. Not a Closing Disclosure.