Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$49,032Cash toward the purchase price.
Closing costs + prepaids$13,165Not just lender fees.
Before credits & paid funds$62,196The complete starting cash picture.
Estimated remaining funds due at closing
$62,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,031.60
Your down payment$49,031.60
Closing costs + prepaids$13,164.87
Total buyer cash needed$62,196.47
Remaining funds due$62,196.47
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%)$4,099.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,804.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$120.00
Prepaid interest, first (31 days)$1,922.18
Fees + prepaids$13,164.87
Your down payment is the seller’s equity. You take over the $360,958 balance, so the rest of the $409,990 price is paid at closing. A second mortgage can cover part of it. $62,196.47 is due at closing. Uses and sources reconcile at $423,154.87 each. Not a Closing Disclosure.