Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$17,966Cash toward the purchase price.
Closing costs + prepaids$16,867Not just lender fees.
Before credits & paid funds$34,833The complete starting cash picture.
Estimated remaining funds due at closing
$34,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,966.47
Your down payment$17,966.47
Closing costs + prepaids$16,866.97
Total buyer cash needed$34,833.44
Remaining funds due$34,833.44
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,210.17
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)$1,575.00
Prepaid interest, first (27 days)$1,863.81
Fees + prepaids$16,866.97
Your down payment is the seller’s equity. You take over the $442,034 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $34,833.44 is due at closing. Uses and sources reconcile at $476,866.97 each. Not a Closing Disclosure.