Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,391Cash toward the purchase price.
Closing costs + prepaids$16,194Not just lender fees.
Before credits & paid funds$32,585The complete starting cash picture.
Estimated remaining funds due at closing
$32,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,391.31
Your down payment$16,391.31
Closing costs + prepaids$16,193.97
Total buyer cash needed$32,585.28
Remaining funds due$32,585.28
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%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,218.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,150.00
Initial HOA (3 months)$1,212.00
Prepaid interest, first (24 days)$1,545.94
Fees + prepaids$16,193.97
Your down payment is the seller’s equity. You take over the $443,608 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $32,585.28 is due at closing. Uses and sources reconcile at $476,192.97 each. Not a Closing Disclosure.