Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$30,470Cash toward the purchase price.
Closing costs + prepaids$15,053Not just lender fees.
Before credits & paid funds$45,524The complete starting cash picture.
Estimated remaining funds due at closing
$45,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,470.36
Your down payment$30,470.36
Closing costs + prepaids$15,053.47
Total buyer cash needed$45,523.83
Remaining funds due$45,523.83
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%)$4,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,162.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,157.50
Prepaid interest, first (25 days)$1,635.32
Fees + prepaids$15,053.47
Your down payment is the seller’s equity. You take over the $432,530 balance, so the rest of the $463,000 price is paid at closing. A second mortgage can cover part of it. $45,523.83 is due at closing. Uses and sources reconcile at $478,053.47 each. Not a Closing Disclosure.