Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,005Cash toward the purchase price.
Closing costs + prepaids$15,555Not just lender fees.
Before credits & paid funds$17,561The complete starting cash picture.
Estimated remaining funds due at closing
$17,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,005.13
Your down payment$2,005.13
Closing costs + prepaids$15,555.48
Total buyer cash needed$17,560.61
Remaining funds due$17,560.61
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%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,289.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$973.50
Initial HOA (3 months)$185.01
Prepaid interest, first (25 days)$2,039.01
Fees + prepaids$15,555.48
Your down payment is the seller’s equity. You take over the $457,994 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $17,560.61 is due at closing. Uses and sources reconcile at $475,554.48 each. Not a Closing Disclosure.