Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$58,730Cash toward the purchase price.
Closing costs + prepaids$14,803Not just lender fees.
Before credits & paid funds$73,534The complete starting cash picture.
Estimated remaining funds due at closing
$73,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,730.33
Your down payment$58,730.33
Closing costs + prepaids$14,803.24
Total buyer cash needed$73,533.57
Remaining funds due$73,533.57
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%)$4,645.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,028.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,167.25
Initial HOA (3 months)$171.00
Prepaid interest, first (22 days)$1,323.14
Fees + prepaids$14,803.24
Your down payment is the seller’s equity. You take over the $405,770 balance, so the rest of the $464,500 price is paid at closing. A second mortgage can cover part of it. $73,533.57 is due at closing. Uses and sources reconcile at $479,303.24 each. Not a Closing Disclosure.