Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$11,035Cash toward the purchase price.
Closing costs + prepaids$15,172Not just lender fees.
Before credits & paid funds$26,207The complete starting cash picture.
Estimated remaining funds due at closing
$26,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,035.00
Your down payment$11,035.00
Closing costs + prepaids$15,171.85
Total buyer cash needed$26,206.85
Remaining funds due$26,206.85
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%)$2,219.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$709.75
Initial HOA (3 months)$120.00
Prepaid interest, first (25 days)$2,104.27
Fees + prepaids$15,171.85
Your down payment is the seller’s equity. You take over the $443,965 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $26,206.85 is due at closing. Uses and sources reconcile at $470,171.85 each. Not a Closing Disclosure.