Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$46,694Cash toward the purchase price.
Closing costs + prepaids$14,522Not just lender fees.
Before credits & paid funds$61,216The complete starting cash picture.
Estimated remaining funds due at closing
$61,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,693.62
Your down payment$46,693.62
Closing costs + prepaids$14,522.08
Total buyer cash needed$61,215.70
Remaining funds due$61,215.70
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,416.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.00
Initial HOA (3 months)$290.01
Prepaid interest, first (12 days)$413.04
Fees + prepaids$14,522.08
Your down payment is the seller’s equity. You take over the $483,206 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $61,215.70 is due at closing. Uses and sources reconcile at $544,422.08 each. Not a Closing Disclosure.