Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$47,606Cash toward the purchase price.
Closing costs + prepaids$15,412Not just lender fees.
Before credits & paid funds$63,018The complete starting cash picture.
Estimated remaining funds due at closing
$63,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,605.62
Your down payment$47,605.62
Closing costs + prepaids$15,412.34
Total buyer cash needed$63,017.96
Remaining funds due$63,017.96
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%)$5,475.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,499.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$657.00
Initial HOA (3 months)$474.00
Prepaid interest, first (10 days)$838.86
Fees + prepaids$15,412.34
Your down payment is the seller’s equity. You take over the $499,894 balance, so the rest of the $547,500 price is paid at closing. A second mortgage can cover part of it. $63,017.96 is due at closing. Uses and sources reconcile at $562,912.34 each. Not a Closing Disclosure.