Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$35,950Cash toward the purchase price.
Closing costs + prepaids$14,048Not just lender fees.
Before credits & paid funds$49,998The complete starting cash picture.
Estimated remaining funds due at closing
$49,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,950.14
Your down payment$35,950.14
Closing costs + prepaids$14,048.07
Total buyer cash needed$49,998.21
Remaining funds due$49,998.21
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,145.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$267.75
Prepaid interest, first (18 days)$1,517.07
Fees + prepaids$14,048.07
Your down payment is the seller’s equity. You take over the $429,050 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $49,998.21 is due at closing. Uses and sources reconcile at $479,048.07 each. Not a Closing Disclosure.