Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$47,933Cash toward the purchase price.
Closing costs + prepaids$16,119Not just lender fees.
Before credits & paid funds$64,051The complete starting cash picture.
Estimated remaining funds due at closing
$64,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,932.94
Your down payment$47,932.94
Closing costs + prepaids$16,118.53
Total buyer cash needed$64,051.47
Remaining funds due$64,051.47
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%)$4,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,050.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,145.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (29 days)$1,795.19
Fees + prepaids$16,118.53
Your down payment is the seller’s equity. You take over the $410,067 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $64,051.47 is due at closing. Uses and sources reconcile at $474,118.53 each. Not a Closing Disclosure.