Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,914Cash toward the purchase price.
Closing costs + prepaids$14,462Not just lender fees.
Before credits & paid funds$50,376The complete starting cash picture.
Estimated remaining funds due at closing
$50,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,913.89
Your down payment$35,913.89
Closing costs + prepaids$14,462.18
Total buyer cash needed$50,376.07
Remaining funds due$50,376.07
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,115.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$215.50
Initial HOA (3 months)$264.99
Prepaid interest, first (24 days)$1,808.26
Fees + prepaids$14,462.18
Your down payment is the seller’s equity. You take over the $423,086 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $50,376.07 is due at closing. Uses and sources reconcile at $473,462.18 each. Not a Closing Disclosure.