Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$47,059Cash toward the purchase price.
Closing costs + prepaids$14,569Not just lender fees.
Before credits & paid funds$61,627The complete starting cash picture.
Estimated remaining funds due at closing
$61,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,058.65
Your down payment$47,058.65
Closing costs + prepaids$14,568.58
Total buyer cash needed$61,627.23
Remaining funds due$61,627.23
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%)$4,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,139.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$287.75
Initial HOA (3 months)$168.00
Prepaid interest, first (30 days)$1,755.14
Fees + prepaids$14,568.58
Your down payment is the seller’s equity. You take over the $427,940 balance, so the rest of the $474,999 price is paid at closing. A second mortgage can cover part of it. $61,627.23 is due at closing. Uses and sources reconcile at $489,567.58 each. Not a Closing Disclosure.