Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$48,629Cash toward the purchase price.
Closing costs + prepaids$17,211Not just lender fees.
Before credits & paid funds$65,840The complete starting cash picture.
Estimated remaining funds due at closing
$65,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,628.54
Your down payment$48,628.54
Closing costs + prepaids$17,211.29
Total buyer cash needed$65,839.83
Remaining funds due$65,839.83
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%)$2,081.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,353.25
Prepaid interest, first (23 days)$1,658.19
Fees + prepaids$17,211.29
Your down payment is the seller’s equity. You take over the $416,371 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $65,839.83 is due at closing. Uses and sources reconcile at $482,211.29 each. Not a Closing Disclosure.