Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,601Cash toward the purchase price.
Closing costs + prepaids$14,185Not just lender fees.
Before credits & paid funds$64,786The complete starting cash picture.
Estimated remaining funds due at closing
$64,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,600.94
Your down payment$50,600.94
Closing costs + prepaids$14,184.78
Total buyer cash needed$64,785.72
Remaining funds due$64,785.72
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,122.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$655.00
Initial HOA (3 months)$225.99
Prepaid interest, first (27 days)$963.79
Fees + prepaids$14,184.78
Your down payment is the seller’s equity. You take over the $424,399 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $64,785.72 is due at closing. Uses and sources reconcile at $489,184.78 each. Not a Closing Disclosure.