Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$33,725Cash toward the purchase price.
Closing costs + prepaids$14,886Not just lender fees.
Before credits & paid funds$48,611The complete starting cash picture.
Estimated remaining funds due at closing
$48,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,724.69
Your down payment$33,724.69
Closing costs + prepaids$14,886.43
Total buyer cash needed$48,611.12
Remaining funds due$48,611.12
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,256.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$865.50
Prepaid interest, first (18 days)$1,446.55
Fees + prepaids$14,886.43
Your down payment is the seller’s equity. You take over the $451,275 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $48,611.12 is due at closing. Uses and sources reconcile at $499,886.43 each. Not a Closing Disclosure.