Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,549Cash toward the purchase price.
Closing costs + prepaids$18,454Not just lender fees.
Before credits & paid funds$48,002The complete starting cash picture.
Estimated remaining funds due at closing
$48,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,548.55
Your down payment$29,548.55
Closing costs + prepaids$18,453.82
Total buyer cash needed$48,002.37
Remaining funds due$48,002.37
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,597.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,830.75
Initial HOA (3 months)$390.00
Prepaid interest, first (28 days)$2,677.81
Fees + prepaids$18,453.82
Your down payment is the seller’s equity. You take over the $519,451 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $48,002.37 is due at closing. Uses and sources reconcile at $567,453.82 each. Not a Closing Disclosure.