Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$33,449Cash toward the purchase price.
Closing costs + prepaids$14,466Not just lender fees.
Before credits & paid funds$47,915The complete starting cash picture.
Estimated remaining funds due at closing
$47,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,448.60
Your down payment$33,448.60
Closing costs + prepaids$14,466.12
Total buyer cash needed$47,914.73
Remaining funds due$47,914.73
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,082.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$798.50
Initial HOA (3 months)$43.74
Prepaid interest, first (25 days)$1,823.13
Fees + prepaids$14,466.12
Your down payment is the seller’s equity. You take over the $416,551 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $47,914.73 is due at closing. Uses and sources reconcile at $464,466.12 each. Not a Closing Disclosure.