Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$39,971Cash toward the purchase price.
Closing costs + prepaids$16,298Not just lender fees.
Before credits & paid funds$56,270The complete starting cash picture.
Estimated remaining funds due at closing
$56,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,971.28
Your down payment$39,971.28
Closing costs + prepaids$16,298.35
Total buyer cash needed$56,269.63
Remaining funds due$56,269.63
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%)$4,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,150.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,215.75
Initial HOA (3 months)$308.01
Prepaid interest, first (30 days)$2,456.46
Fees + prepaids$16,298.35
Your down payment is the seller’s equity. You take over the $430,028 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $56,269.63 is due at closing. Uses and sources reconcile at $486,297.35 each. Not a Closing Disclosure.