Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,900Cash toward the purchase price.
Closing costs + prepaids$15,518Not just lender fees.
Before credits & paid funds$46,418The complete starting cash picture.
Estimated remaining funds due at closing
$46,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,899.57
Your down payment$30,899.57
Closing costs + prepaids$15,518.19
Total buyer cash needed$46,417.75
Remaining funds due$46,417.75
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%)$4,720.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,205.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$324.75
Initial HOA (3 months)$170.01
Prepaid interest, first (31 days)$2,629.93
Fees + prepaids$15,518.19
Your down payment is the seller’s equity. You take over the $441,100 balance, so the rest of the $472,000 price is paid at closing. A second mortgage can cover part of it. $46,417.75 is due at closing. Uses and sources reconcile at $487,518.19 each. Not a Closing Disclosure.