Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$33,231Cash toward the purchase price.
Closing costs + prepaids$15,274Not just lender fees.
Before credits & paid funds$48,505The complete starting cash picture.
Estimated remaining funds due at closing
$48,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,231.23
Your down payment$33,231.23
Closing costs + prepaids$15,273.61
Total buyer cash needed$48,504.84
Remaining funds due$48,504.84
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%)$2,083.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,578.50
Initial HOA (3 months)$108.00
Prepaid interest, first (26 days)$1,786.77
Fees + prepaids$15,273.61
Your down payment is the seller’s equity. You take over the $416,669 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $48,504.84 is due at closing. Uses and sources reconcile at $465,173.61 each. Not a Closing Disclosure.