Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$48,023Cash toward the purchase price.
Closing costs + prepaids$14,941Not just lender fees.
Before credits & paid funds$62,963The complete starting cash picture.
Estimated remaining funds due at closing
$62,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,022.74
Your down payment$48,022.74
Closing costs + prepaids$14,940.59
Total buyer cash needed$62,963.33
Remaining funds due$62,963.33
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,059.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$602.25
Initial HOA (3 months)$720.00
Prepaid interest, first (19 days)$1,490.45
Fees + prepaids$14,940.59
Your down payment is the seller’s equity. You take over the $411,977 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $62,963.33 is due at closing. Uses and sources reconcile at $474,940.59 each. Not a Closing Disclosure.