Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$11,152Cash toward the purchase price.
Closing costs + prepaids$15,081Not just lender fees.
Before credits & paid funds$26,233The complete starting cash picture.
Estimated remaining funds due at closing
$26,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,151.88
Your down payment$11,151.88
Closing costs + prepaids$15,080.72
Total buyer cash needed$26,232.60
Remaining funds due$26,232.60
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,194.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$958.75
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$2,184.74
Fees + prepaids$15,080.72
Your down payment is the seller’s equity. You take over the $438,848 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $26,232.60 is due at closing. Uses and sources reconcile at $465,080.72 each. Not a Closing Disclosure.