Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$47,614Cash toward the purchase price.
Closing costs + prepaids$13,271Not just lender fees.
Before credits & paid funds$60,885The complete starting cash picture.
Estimated remaining funds due at closing
$60,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,614.11
Your down payment$47,614.11
Closing costs + prepaids$13,270.52
Total buyer cash needed$60,884.63
Remaining funds due$60,884.63
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,836.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$426.00
Initial HOA (3 months)$702.00
Prepaid interest, first (27 days)$937.59
Fees + prepaids$13,270.52
Your down payment is the seller’s equity. You take over the $367,386 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $60,884.63 is due at closing. Uses and sources reconcile at $428,270.52 each. Not a Closing Disclosure.