Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$34,384Cash toward the purchase price.
Closing costs + prepaids$14,310Not just lender fees.
Before credits & paid funds$48,694The complete starting cash picture.
Estimated remaining funds due at closing
$48,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,384.38
Your down payment$34,384.38
Closing costs + prepaids$14,309.80
Total buyer cash needed$48,694.18
Remaining funds due$48,694.18
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%)$4,745.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,200.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$852.00
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$894.22
Fees + prepaids$14,309.80
Your down payment is the seller’s equity. You take over the $440,116 balance, so the rest of the $474,500 price is paid at closing. A second mortgage can cover part of it. $48,694.18 is due at closing. Uses and sources reconcile at $488,809.80 each. Not a Closing Disclosure.