Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,518Cash toward the purchase price.
Closing costs + prepaids$15,134Not just lender fees.
Before credits & paid funds$40,653The complete starting cash picture.
Estimated remaining funds due at closing
$40,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,518.18
Your down payment$25,518.18
Closing costs + prepaids$15,134.44
Total buyer cash needed$40,652.62
Remaining funds due$40,652.62
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%)$4,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,146.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$829.50
Prepaid interest, first (28 days)$2,141.03
Fees + prepaids$15,134.44
Your down payment is the seller’s equity. You take over the $429,382 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $40,652.62 is due at closing. Uses and sources reconcile at $470,034.44 each. Not a Closing Disclosure.