Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,431Cash toward the purchase price.
Closing costs + prepaids$16,552Not just lender fees.
Before credits & paid funds$45,982The complete starting cash picture.
Estimated remaining funds due at closing
$45,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,430.76
Your down payment$29,430.76
Closing costs + prepaids$16,551.72
Total buyer cash needed$45,982.49
Remaining funds due$45,982.49
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%)$4,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,187.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,325.00
Initial HOA (3 months)$30.00
Prepaid interest, first (27 days)$1,870.88
Fees + prepaids$16,551.72
Your down payment is the seller’s equity. You take over the $437,569 balance, so the rest of the $467,000 price is paid at closing. A second mortgage can cover part of it. $45,982.49 is due at closing. Uses and sources reconcile at $483,551.72 each. Not a Closing Disclosure.