Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$31,832Cash toward the purchase price.
Closing costs + prepaids$17,569Not just lender fees.
Before credits & paid funds$49,401The complete starting cash picture.
Estimated remaining funds due at closing
$49,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,831.56
Your down payment$31,831.56
Closing costs + prepaids$17,569.32
Total buyer cash needed$49,400.88
Remaining funds due$49,400.88
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,365.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,262.50
Initial HOA (3 months)$1,728.00
Prepaid interest, first (25 days)$1,694.98
Fees + prepaids$17,569.32
Your down payment is the seller’s equity. You take over the $473,168 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $49,400.88 is due at closing. Uses and sources reconcile at $522,569.32 each. Not a Closing Disclosure.