Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$35,158Cash toward the purchase price.
Closing costs + prepaids$15,134Not just lender fees.
Before credits & paid funds$50,293The complete starting cash picture.
Estimated remaining funds due at closing
$50,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,158.48
Your down payment$35,158.48
Closing costs + prepaids$15,134.25
Total buyer cash needed$50,292.73
Remaining funds due$50,292.73
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,124.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$818.00
Initial HOA (3 months)$285.00
Prepaid interest, first (25 days)$1,839.04
Fees + prepaids$15,134.25
Your down payment is the seller’s equity. You take over the $424,842 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $50,292.73 is due at closing. Uses and sources reconcile at $475,134.25 each. Not a Closing Disclosure.