Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$13,856Cash toward the purchase price.
Closing costs + prepaids$14,447Not just lender fees.
Before credits & paid funds$28,303The complete starting cash picture.
Estimated remaining funds due at closing
$28,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,856.18
Your down payment$13,856.18
Closing costs + prepaids$14,446.84
Total buyer cash needed$28,303.02
Remaining funds due$28,303.02
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,180.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$506.25
Prepaid interest, first (24 days)$2,041.87
Fees + prepaids$14,446.84
Your down payment is the seller’s equity. You take over the $436,144 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $28,303.02 is due at closing. Uses and sources reconcile at $464,446.84 each. Not a Closing Disclosure.