Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,217Cash toward the purchase price.
Closing costs + prepaids$15,076Not just lender fees.
Before credits & paid funds$47,293The complete starting cash picture.
Estimated remaining funds due at closing
$47,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,217.36
Your down payment$32,217.36
Closing costs + prepaids$15,075.63
Total buyer cash needed$47,292.99
Remaining funds due$47,292.99
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%)$2,163.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$506.25
Prepaid interest, first (28 days)$2,287.46
Fees + prepaids$15,075.63
Your down payment is the seller’s equity. You take over the $432,783 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $47,292.99 is due at closing. Uses and sources reconcile at $480,075.63 each. Not a Closing Disclosure.