Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$32,993Cash toward the purchase price.
Closing costs + prepaids$14,125Not just lender fees.
Before credits & paid funds$47,117The complete starting cash picture.
Estimated remaining funds due at closing
$47,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,992.68
Your down payment$32,992.68
Closing costs + prepaids$14,124.65
Total buyer cash needed$47,117.33
Remaining funds due$47,117.33
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,084.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$605.75
Initial HOA (3 months)$84.00
Prepaid interest, first (22 days)$1,633.36
Fees + prepaids$14,124.65
Your down payment is the seller’s equity. You take over the $416,907 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $47,117.33 is due at closing. Uses and sources reconcile at $464,024.65 each. Not a Closing Disclosure.