Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,220Cash toward the purchase price.
Closing costs + prepaids$15,196Not just lender fees.
Before credits & paid funds$65,415The complete starting cash picture.
Estimated remaining funds due at closing
$65,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,219.57
Your down payment$50,219.57
Closing costs + prepaids$15,195.53
Total buyer cash needed$65,415.10
Remaining funds due$65,415.10
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,748.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,498.00
Initial HOA (3 months)$1,380.00
Prepaid interest, first (27 days)$1,350.63
Fees + prepaids$15,195.53
Your down payment is the seller’s equity. You take over the $349,780 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $65,415.10 is due at closing. Uses and sources reconcile at $415,195.53 each. Not a Closing Disclosure.