Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$35,428Cash toward the purchase price.
Closing costs + prepaids$14,994Not just lender fees.
Before credits & paid funds$50,422The complete starting cash picture.
Estimated remaining funds due at closing
$50,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,428.27
Your down payment$35,428.27
Closing costs + prepaids$14,993.58
Total buyer cash needed$50,421.85
Remaining funds due$50,421.85
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,147.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$400.75
Initial HOA (3 months)$112.50
Prepaid interest, first (28 days)$2,214.47
Fees + prepaids$14,993.58
Your down payment is the seller’s equity. You take over the $429,572 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $50,421.85 is due at closing. Uses and sources reconcile at $479,993.58 each. Not a Closing Disclosure.