Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$19,784Cash toward the purchase price.
Closing costs + prepaids$15,397Not just lender fees.
Before credits & paid funds$35,180The complete starting cash picture.
Estimated remaining funds due at closing
$35,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,783.51
Your down payment$19,783.51
Closing costs + prepaids$15,396.89
Total buyer cash needed$35,180.40
Remaining funds due$35,180.40
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,301.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,138.50
Prepaid interest, first (22 days)$1,689.31
Fees + prepaids$15,396.89
Your down payment is the seller’s equity. You take over the $460,216 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $35,180.40 is due at closing. Uses and sources reconcile at $495,396.89 each. Not a Closing Disclosure.