Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,617Cash toward the purchase price.
Closing costs + prepaids$13,357Not just lender fees.
Before credits & paid funds$31,974The complete starting cash picture.
Estimated remaining funds due at closing
$31,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,616.83
Your down payment$18,616.83
Closing costs + prepaids$13,357.17
Total buyer cash needed$31,974.00
Remaining funds due$31,974.00
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,181.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$405.00
Prepaid interest, first (22 days)$752.25
Fees + prepaids$13,357.17
Your down payment is the seller’s equity. You take over the $436,383 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $31,974.00 is due at closing. Uses and sources reconcile at $468,357.17 each. Not a Closing Disclosure.