Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$21,837Cash toward the purchase price.
Closing costs + prepaids$15,155Not just lender fees.
Before credits & paid funds$36,992The complete starting cash picture.
Estimated remaining funds due at closing
$36,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,837.42
Your down payment$21,837.42
Closing costs + prepaids$15,154.96
Total buyer cash needed$36,992.38
Remaining funds due$36,992.38
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,240.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$809.50
Initial HOA (3 months)$99.00
Prepaid interest, first (22 days)$1,839.14
Fees + prepaids$15,154.96
Your down payment is the seller’s equity. You take over the $448,063 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $36,992.38 is due at closing. Uses and sources reconcile at $485,054.96 each. Not a Closing Disclosure.