Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$26,263Cash toward the purchase price.
Closing costs + prepaids$15,254Not just lender fees.
Before credits & paid funds$41,517The complete starting cash picture.
Estimated remaining funds due at closing
$41,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,262.84
Your down payment$26,262.84
Closing costs + prepaids$15,254.13
Total buyer cash needed$41,516.97
Remaining funds due$41,516.97
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%)$4,710.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,223.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$793.25
Prepaid interest, first (26 days)$2,059.19
Fees + prepaids$15,254.13
Your down payment is the seller’s equity. You take over the $444,737 balance, so the rest of the $471,000 price is paid at closing. A second mortgage can cover part of it. $41,516.97 is due at closing. Uses and sources reconcile at $486,254.13 each. Not a Closing Disclosure.