Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$35,522Cash toward the purchase price.
Closing costs + prepaids$12,853Not just lender fees.
Before credits & paid funds$48,374The complete starting cash picture.
Estimated remaining funds due at closing
$48,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,521.65
Your down payment$35,521.65
Closing costs + prepaids$12,852.53
Total buyer cash needed$48,374.18
Remaining funds due$48,374.18
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,071.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Initial HOA (3 months)$62.49
Prepaid interest, first (6 days)$461.15
Fees + prepaids$12,852.53
Your down payment is the seller’s equity. You take over the $414,378 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $48,374.18 is due at closing. Uses and sources reconcile at $462,752.53 each. Not a Closing Disclosure.