Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$46,862Cash toward the purchase price.
Closing costs + prepaids$13,797Not just lender fees.
Before credits & paid funds$60,660The complete starting cash picture.
Estimated remaining funds due at closing
$60,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,862.41
Your down payment$46,862.41
Closing costs + prepaids$13,797.37
Total buyer cash needed$60,659.78
Remaining funds due$60,659.78
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%)$4,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,825.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,030.00
Initial HOA (3 months)$69.00
Prepaid interest, first (23 days)$1,534.68
Fees + prepaids$13,797.37
Your down payment is the seller’s equity. You take over the $365,138 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $60,659.78 is due at closing. Uses and sources reconcile at $425,797.37 each. Not a Closing Disclosure.