Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,545Cash toward the purchase price.
Closing costs + prepaids$15,256Not just lender fees.
Before credits & paid funds$47,801The complete starting cash picture.
Estimated remaining funds due at closing
$47,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,545.07
Your down payment$32,545.07
Closing costs + prepaids$15,256.16
Total buyer cash needed$47,801.23
Remaining funds due$47,801.23
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,132.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,000.00
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$1,840.88
Fees + prepaids$15,256.16
Your down payment is the seller’s equity. You take over the $426,455 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $47,801.23 is due at closing. Uses and sources reconcile at $474,256.16 each. Not a Closing Disclosure.