Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$32,969Cash toward the purchase price.
Closing costs + prepaids$14,074Not just lender fees.
Before credits & paid funds$47,042The complete starting cash picture.
Estimated remaining funds due at closing
$47,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,968.65
Your down payment$32,968.65
Closing costs + prepaids$14,073.83
Total buyer cash needed$47,042.48
Remaining funds due$47,042.48
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%)$2,160.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$581.25
Prepaid interest, first (15 days)$1,214.42
Fees + prepaids$14,073.83
Your down payment is the seller’s equity. You take over the $432,031 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $47,042.48 is due at closing. Uses and sources reconcile at $479,073.83 each. Not a Closing Disclosure.