Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,286Cash toward the purchase price.
Closing costs + prepaids$14,429Not just lender fees.
Before credits & paid funds$48,715The complete starting cash picture.
Estimated remaining funds due at closing
$48,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,285.77
Your down payment$34,285.77
Closing costs + prepaids$14,429.32
Total buyer cash needed$48,715.09
Remaining funds due$48,715.09
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%)$2,078.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$399.75
Initial HOA (3 months)$246.00
Prepaid interest, first (26 days)$1,987.00
Fees + prepaids$14,429.32
Your down payment is the seller’s equity. You take over the $415,714 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $48,715.09 is due at closing. Uses and sources reconcile at $464,429.32 each. Not a Closing Disclosure.