Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$10,974Cash toward the purchase price.
Closing costs + prepaids$15,097Not just lender fees.
Before credits & paid funds$26,071The complete starting cash picture.
Estimated remaining funds due at closing
$26,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,973.64
Your down payment$10,973.64
Closing costs + prepaids$15,097.02
Total buyer cash needed$26,070.66
Remaining funds due$26,070.66
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,220.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$709.75
Initial HOA (3 months)$120.00
Prepaid interest, first (24 days)$2,029.14
Fees + prepaids$15,097.02
Your down payment is the seller’s equity. You take over the $444,026 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $26,070.66 is due at closing. Uses and sources reconcile at $470,097.02 each. Not a Closing Disclosure.