Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,392Cash toward the purchase price.
Closing costs + prepaids$15,003Not just lender fees.
Before credits & paid funds$65,395The complete starting cash picture.
Estimated remaining funds due at closing
$65,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,391.78
Your down payment$50,391.78
Closing costs + prepaids$15,002.94
Total buyer cash needed$65,394.71
Remaining funds due$65,394.71
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%)$4,549.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,023.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,137.50
Initial HOA (3 months)$720.00
Prepaid interest, first (27 days)$1,104.41
Fees + prepaids$15,002.94
Your down payment is the seller’s equity. You take over the $404,607 balance, so the rest of the $454,999 price is paid at closing. A second mortgage can cover part of it. $65,394.71 is due at closing. Uses and sources reconcile at $470,001.94 each. Not a Closing Disclosure.