Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$29,933Cash toward the purchase price.
Closing costs + prepaids$14,456Not just lender fees.
Before credits & paid funds$44,389The complete starting cash picture.
Estimated remaining funds due at closing
$44,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,933.38
Your down payment$29,933.38
Closing costs + prepaids$14,456.02
Total buyer cash needed$44,389.39
Remaining funds due$44,389.39
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,250.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$150.00
Prepaid interest, first (16 days)$1,187.68
Fees + prepaids$14,456.02
Your down payment is the seller’s equity. You take over the $450,067 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $44,389.39 is due at closing. Uses and sources reconcile at $494,456.02 each. Not a Closing Disclosure.