Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$39,971Cash toward the purchase price.
Closing costs + prepaids$15,643Not just lender fees.
Before credits & paid funds$55,615The complete starting cash picture.
Estimated remaining funds due at closing
$55,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,971.28
Your down payment$39,971.28
Closing costs + prepaids$15,643.29
Total buyer cash needed$55,614.58
Remaining funds due$55,614.58
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%)$4,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,150.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,215.75
Initial HOA (3 months)$308.01
Prepaid interest, first (22 days)$1,801.40
Fees + prepaids$15,643.29
Your down payment is the seller’s equity. You take over the $430,028 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $55,614.58 is due at closing. Uses and sources reconcile at $485,642.29 each. Not a Closing Disclosure.