Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$10,609Cash toward the purchase price.
Closing costs + prepaids$15,477Not just lender fees.
Before credits & paid funds$26,087The complete starting cash picture.
Estimated remaining funds due at closing
$26,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,609.47
Your down payment$10,609.47
Closing costs + prepaids$15,477.48
Total buyer cash needed$26,086.95
Remaining funds due$26,086.95
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%)$4,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,266.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$970.25
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$2,057.28
Fees + prepaids$15,477.48
Your down payment is the seller’s equity. You take over the $453,391 balance, so the rest of the $464,000 price is paid at closing. A second mortgage can cover part of it. $26,086.95 is due at closing. Uses and sources reconcile at $479,477.48 each. Not a Closing Disclosure.