Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,627Cash toward the purchase price.
Closing costs + prepaids$17,074Not just lender fees.
Before credits & paid funds$62,701The complete starting cash picture.
Estimated remaining funds due at closing
$62,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,626.94
Your down payment$45,626.94
Closing costs + prepaids$17,073.66
Total buyer cash needed$62,700.60
Remaining funds due$62,700.60
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%)$4,959.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,251.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,609.50
Initial HOA (3 months)$39.99
Prepaid interest, first (31 days)$2,745.80
Fees + prepaids$17,073.66
Your down payment is the seller’s equity. You take over the $450,273 balance, so the rest of the $495,900 price is paid at closing. A second mortgage can cover part of it. $62,700.60 is due at closing. Uses and sources reconcile at $512,973.66 each. Not a Closing Disclosure.