Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$47,679Cash toward the purchase price.
Closing costs + prepaids$16,703Not just lender fees.
Before credits & paid funds$64,382The complete starting cash picture.
Estimated remaining funds due at closing
$64,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,678.78
Your down payment$47,678.78
Closing costs + prepaids$16,703.02
Total buyer cash needed$64,381.79
Remaining funds due$64,381.79
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,436.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,322.00
Initial HOA (3 months)$174.99
Prepaid interest, first (28 days)$1,951.42
Fees + prepaids$16,703.02
Your down payment is the seller’s equity. You take over the $487,321 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $64,381.79 is due at closing. Uses and sources reconcile at $551,703.02 each. Not a Closing Disclosure.