Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$35,845Cash toward the purchase price.
Closing costs + prepaids$15,380Not just lender fees.
Before credits & paid funds$51,225The complete starting cash picture.
Estimated remaining funds due at closing
$51,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,845.44
Your down payment$35,845.44
Closing costs + prepaids$15,380.02
Total buyer cash needed$51,225.46
Remaining funds due$51,225.46
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%)$4,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,293.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$480.00
Prepaid interest, first (29 days)$2,193.75
Fees + prepaids$15,380.02
Your down payment is the seller’s equity. You take over the $458,655 balance, so the rest of the $494,500 price is paid at closing. A second mortgage can cover part of it. $51,225.46 is due at closing. Uses and sources reconcile at $509,880.02 each. Not a Closing Disclosure.