Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$30,849Cash toward the purchase price.
Closing costs + prepaids$15,708Not just lender fees.
Before credits & paid funds$46,556The complete starting cash picture.
Estimated remaining funds due at closing
$46,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,848.68
Your down payment$30,848.68
Closing costs + prepaids$15,707.81
Total buyer cash needed$46,556.50
Remaining funds due$46,556.50
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,340.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$887.00
Initial HOA (3 months)$171.00
Prepaid interest, first (22 days)$1,851.06
Fees + prepaids$15,707.81
Your down payment is the seller’s equity. You take over the $468,151 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $46,556.50 is due at closing. Uses and sources reconcile at $514,707.81 each. Not a Closing Disclosure.