Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,915Cash toward the purchase price.
Closing costs + prepaids$17,885Not just lender fees.
Before credits & paid funds$48,799The complete starting cash picture.
Estimated remaining funds due at closing
$48,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,914.76
Your down payment$30,914.76
Closing costs + prepaids$17,884.69
Total buyer cash needed$48,799.44
Remaining funds due$48,799.44
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%)$4,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,185.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,170.00
Initial HOA (3 months)$2,289.00
Prepaid interest, first (26 days)$2,092.26
Fees + prepaids$17,884.69
Your down payment is the seller’s equity. You take over the $437,085 balance, so the rest of the $468,000 price is paid at closing. A second mortgage can cover part of it. $48,799.44 is due at closing. Uses and sources reconcile at $485,884.69 each. Not a Closing Disclosure.