Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$31,517Cash toward the purchase price.
Closing costs + prepaids$14,293Not just lender fees.
Before credits & paid funds$45,810The complete starting cash picture.
Estimated remaining funds due at closing
$45,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,517.01
Your down payment$31,517.01
Closing costs + prepaids$14,292.83
Total buyer cash needed$45,809.84
Remaining funds due$45,809.84
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%)$4,671.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,178.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$584.00
Initial HOA (3 months)$50.01
Prepaid interest, first (17 days)$1,341.15
Fees + prepaids$14,292.83
Your down payment is the seller’s equity. You take over the $435,633 balance, so the rest of the $467,150 price is paid at closing. A second mortgage can cover part of it. $45,809.84 is due at closing. Uses and sources reconcile at $481,442.83 each. Not a Closing Disclosure.