Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$45,826Cash toward the purchase price.
Closing costs + prepaids$15,332Not just lender fees.
Before credits & paid funds$61,158The complete starting cash picture.
Estimated remaining funds due at closing
$61,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,825.97
Your down payment$45,825.97
Closing costs + prepaids$15,331.95
Total buyer cash needed$61,157.92
Remaining funds due$61,157.92
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,170.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,196.50
Initial HOA (3 months)$645.00
Prepaid interest, first (23 days)$1,053.08
Fees + prepaids$15,331.95
Your down payment is the seller’s equity. You take over the $434,074 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $61,157.92 is due at closing. Uses and sources reconcile at $495,231.95 each. Not a Closing Disclosure.