Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$30,972Cash toward the purchase price.
Closing costs + prepaids$17,483Not just lender fees.
Before credits & paid funds$48,455The complete starting cash picture.
Estimated remaining funds due at closing
$48,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,971.81
Your down payment$30,971.81
Closing costs + prepaids$17,483.46
Total buyer cash needed$48,455.28
Remaining funds due$48,455.28
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%)$5,145.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,417.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,368.75
Prepaid interest, first (23 days)$2,084.07
Fees + prepaids$17,483.46
Your down payment is the seller’s equity. You take over the $483,528 balance, so the rest of the $514,500 price is paid at closing. A second mortgage can cover part of it. $48,455.28 is due at closing. Uses and sources reconcile at $531,983.46 each. Not a Closing Disclosure.