Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,929Cash toward the purchase price.
Closing costs + prepaids$14,943Not just lender fees.
Before credits & paid funds$26,872The complete starting cash picture.
Estimated remaining funds due at closing
$26,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,929.04
Your down payment$11,929.04
Closing costs + prepaids$14,943.26
Total buyer cash needed$26,872.30
Remaining funds due$26,872.30
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%)$4,674.51
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,277.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$330.25
Initial HOA (3 months)$246.00
Prepaid interest, first (24 days)$1,946.89
Fees + prepaids$14,943.26
Your down payment is the seller’s equity. You take over the $455,522 balance, so the rest of the $467,451 price is paid at closing. A second mortgage can cover part of it. $26,872.30 is due at closing. Uses and sources reconcile at $482,394.26 each. Not a Closing Disclosure.