Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$10,943Cash toward the purchase price.
Closing costs + prepaids$15,046Not just lender fees.
Before credits & paid funds$25,989The complete starting cash picture.
Estimated remaining funds due at closing
$25,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,942.99
Your down payment$10,942.99
Closing costs + prepaids$15,046.34
Total buyer cash needed$25,989.33
Remaining funds due$25,989.33
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,240.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$686.50
Prepaid interest, first (27 days)$2,061.55
Fees + prepaids$15,046.34
Your down payment is the seller’s equity. You take over the $448,057 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $25,989.33 is due at closing. Uses and sources reconcile at $474,046.34 each. Not a Closing Disclosure.