Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,879Cash toward the purchase price.
Closing costs + prepaids$15,119Not just lender fees.
Before credits & paid funds$38,998The complete starting cash picture.
Estimated remaining funds due at closing
$38,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,878.96
Your down payment$23,878.96
Closing costs + prepaids$15,118.63
Total buyer cash needed$38,997.59
Remaining funds due$38,997.59
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,230.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.25
Initial HOA (3 months)$357.00
Prepaid interest, first (24 days)$1,903.78
Fees + prepaids$15,118.63
Your down payment is the seller’s equity. You take over the $446,121 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $38,997.59 is due at closing. Uses and sources reconcile at $485,118.63 each. Not a Closing Disclosure.