Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$48,023Cash toward the purchase price.
Closing costs + prepaids$15,568Not just lender fees.
Before credits & paid funds$63,591The complete starting cash picture.
Estimated remaining funds due at closing
$63,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,022.74
Your down payment$48,022.74
Closing costs + prepaids$15,568.15
Total buyer cash needed$63,590.89
Remaining funds due$63,590.89
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,059.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$602.25
Initial HOA (3 months)$720.00
Prepaid interest, first (27 days)$2,118.01
Fees + prepaids$15,568.15
Your down payment is the seller’s equity. You take over the $411,977 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $63,590.89 is due at closing. Uses and sources reconcile at $475,568.15 each. Not a Closing Disclosure.