Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$34,781Cash toward the purchase price.
Closing costs + prepaids$15,081Not just lender fees.
Before credits & paid funds$49,862The complete starting cash picture.
Estimated remaining funds due at closing
$49,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,781.03
Your down payment$34,781.03
Closing costs + prepaids$15,080.70
Total buyer cash needed$49,861.73
Remaining funds due$49,861.73
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,200.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$882.25
Initial HOA (3 months)$99.00
Prepaid interest, first (22 days)$1,681.86
Fees + prepaids$15,080.70
Your down payment is the seller’s equity. You take over the $440,119 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $49,861.73 is due at closing. Uses and sources reconcile at $489,980.70 each. Not a Closing Disclosure.