Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$17,197Cash toward the purchase price.
Closing costs + prepaids$14,784Not just lender fees.
Before credits & paid funds$31,981The complete starting cash picture.
Estimated remaining funds due at closing
$31,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,196.63
Your down payment$17,196.63
Closing costs + prepaids$14,784.27
Total buyer cash needed$31,980.91
Remaining funds due$31,980.91
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,213.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$392.00
Prepaid interest, first (23 days)$2,111.76
Fees + prepaids$14,784.27
Your down payment is the seller’s equity. You take over the $442,703 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $31,980.91 is due at closing. Uses and sources reconcile at $474,684.27 each. Not a Closing Disclosure.