Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$41,050Cash toward the purchase price.
Closing costs + prepaids$14,600Not just lender fees.
Before credits & paid funds$55,650The complete starting cash picture.
Estimated remaining funds due at closing
$55,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,049.82
Your down payment$41,049.82
Closing costs + prepaids$14,599.71
Total buyer cash needed$55,649.53
Remaining funds due$55,649.53
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,194.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$572.75
Initial HOA (3 months)$212.01
Prepaid interest, first (27 days)$1,353.70
Fees + prepaids$14,599.71
Your down payment is the seller’s equity. You take over the $438,850 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $55,649.53 is due at closing. Uses and sources reconcile at $494,499.71 each. Not a Closing Disclosure.