Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$46,993Cash toward the purchase price.
Closing costs + prepaids$15,260Not just lender fees.
Before credits & paid funds$62,253The complete starting cash picture.
Estimated remaining funds due at closing
$62,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,992.99
Your down payment$46,992.99
Closing costs + prepaids$15,260.01
Total buyer cash needed$62,252.99
Remaining funds due$62,252.99
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%)$5,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,305.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$299.25
Initial HOA (3 months)$51.00
Prepaid interest, first (23 days)$2,056.72
Fees + prepaids$15,260.01
Your down payment is the seller’s equity. You take over the $461,007 balance, so the rest of the $508,000 price is paid at closing. A second mortgage can cover part of it. $62,252.99 is due at closing. Uses and sources reconcile at $523,260.01 each. Not a Closing Disclosure.