Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$50,601Cash toward the purchase price.
Closing costs + prepaids$14,256Not just lender fees.
Before credits & paid funds$64,857The complete starting cash picture.
Estimated remaining funds due at closing
$64,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,600.94
Your down payment$50,600.94
Closing costs + prepaids$14,256.17
Total buyer cash needed$64,857.11
Remaining funds due$64,857.11
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,122.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$655.00
Initial HOA (3 months)$225.99
Prepaid interest, first (29 days)$1,035.18
Fees + prepaids$14,256.17
Your down payment is the seller’s equity. You take over the $424,399 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $64,857.11 is due at closing. Uses and sources reconcile at $489,256.17 each. Not a Closing Disclosure.