Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$21,465Cash toward the purchase price.
Closing costs + prepaids$14,395Not just lender fees.
Before credits & paid funds$35,860The complete starting cash picture.
Estimated remaining funds due at closing
$35,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,464.84
Your down payment$21,464.84
Closing costs + prepaids$14,395.06
Total buyer cash needed$35,859.89
Remaining funds due$35,859.89
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%)$4,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,132.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$632.00
Prepaid interest, first (24 days)$1,932.38
Fees + prepaids$14,395.06
Your down payment is the seller’s equity. You take over the $426,535 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $35,859.89 is due at closing. Uses and sources reconcile at $462,395.06 each. Not a Closing Disclosure.