Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$34,679Cash toward the purchase price.
Closing costs + prepaids$14,692Not just lender fees.
Before credits & paid funds$49,370The complete starting cash picture.
Estimated remaining funds due at closing
$49,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,678.63
Your down payment$34,678.63
Closing costs + prepaids$14,691.51
Total buyer cash needed$49,370.14
Remaining funds due$49,370.14
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,221.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.00
Initial HOA (3 months)$54.99
Prepaid interest, first (22 days)$1,697.92
Fees + prepaids$14,691.51
Your down payment is the seller’s equity. You take over the $444,321 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $49,370.14 is due at closing. Uses and sources reconcile at $493,691.51 each. Not a Closing Disclosure.