Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$18,786Cash toward the purchase price.
Closing costs + prepaids$14,759Not just lender fees.
Before credits & paid funds$33,545The complete starting cash picture.
Estimated remaining funds due at closing
$33,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,785.71
Your down payment$18,785.71
Closing costs + prepaids$14,758.89
Total buyer cash needed$33,544.60
Remaining funds due$33,544.60
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%)$4,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,291.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$377.75
Initial HOA (3 months)$84.99
Prepaid interest, first (23 days)$1,767.08
Fees + prepaids$14,758.89
Your down payment is the seller’s equity. You take over the $458,214 balance, so the rest of the $477,000 price is paid at closing. A second mortgage can cover part of it. $33,544.60 is due at closing. Uses and sources reconcile at $491,758.89 each. Not a Closing Disclosure.