Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,976Cash toward the purchase price.
Closing costs + prepaids$17,416Not just lender fees.
Before credits & paid funds$38,392The complete starting cash picture.
Estimated remaining funds due at closing
$38,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,976.06
Your down payment$20,976.06
Closing costs + prepaids$17,415.79
Total buyer cash needed$38,391.85
Remaining funds due$38,391.85
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,294.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,199.75
Initial HOA (3 months)$1,608.00
Prepaid interest, first (26 days)$2,046.42
Fees + prepaids$17,415.79
Your down payment is the seller’s equity. You take over the $458,924 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $38,391.85 is due at closing. Uses and sources reconcile at $497,315.79 each. Not a Closing Disclosure.