Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$14,818Cash toward the purchase price.
Closing costs + prepaids$14,244Not just lender fees.
Before credits & paid funds$29,062The complete starting cash picture.
Estimated remaining funds due at closing
$29,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,817.99
Your down payment$14,817.99
Closing costs + prepaids$14,244.42
Total buyer cash needed$29,062.41
Remaining funds due$29,062.41
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%)$2,175.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$301.00
Initial HOA (3 months)$114.00
Prepaid interest, first (25 days)$1,937.01
Fees + prepaids$14,244.42
Your down payment is the seller’s equity. You take over the $435,082 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $29,062.41 is due at closing. Uses and sources reconcile at $464,144.42 each. Not a Closing Disclosure.