Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$8,535Cash toward the purchase price.
Closing costs + prepaids$14,727Not just lender fees.
Before credits & paid funds$23,261The complete starting cash picture.
Estimated remaining funds due at closing
$23,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,534.68
Your down payment$8,534.68
Closing costs + prepaids$14,726.58
Total buyer cash needed$23,261.25
Remaining funds due$23,261.25
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,207.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$531.25
Initial HOA (3 months)$270.00
Prepaid interest, first (24 days)$2,000.01
Fees + prepaids$14,726.58
Your down payment is the seller’s equity. You take over the $441,464 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $23,261.25 is due at closing. Uses and sources reconcile at $464,725.58 each. Not a Closing Disclosure.