Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$49,206Cash toward the purchase price.
Closing costs + prepaids$15,999Not just lender fees.
Before credits & paid funds$65,205The complete starting cash picture.
Estimated remaining funds due at closing
$65,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,206.05
Your down payment$49,206.05
Closing costs + prepaids$15,998.61
Total buyer cash needed$65,204.66
Remaining funds due$65,204.66
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,153.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,169.50
Initial HOA (3 months)$159.00
Prepaid interest, first (31 days)$2,249.64
Fees + prepaids$15,998.61
Your down payment is the seller’s equity. You take over the $430,694 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $65,204.66 is due at closing. Uses and sources reconcile at $495,898.61 each. Not a Closing Disclosure.