Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$47,347Cash toward the purchase price.
Closing costs + prepaids$12,600Not just lender fees.
Before credits & paid funds$59,947The complete starting cash picture.
Estimated remaining funds due at closing
$59,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,346.84
Your down payment$47,346.84
Closing costs + prepaids$12,599.86
Total buyer cash needed$59,946.70
Remaining funds due$59,946.70
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,838.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.00
Initial HOA (3 months)$300.00
Prepaid interest, first (9 days)$595.60
Fees + prepaids$12,599.86
Your down payment is the seller’s equity. You take over the $367,653 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $59,946.70 is due at closing. Uses and sources reconcile at $427,599.86 each. Not a Closing Disclosure.