Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$18,329Cash toward the purchase price.
Closing costs + prepaids$14,976Not just lender fees.
Before credits & paid funds$33,305The complete starting cash picture.
Estimated remaining funds due at closing
$33,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,328.76
Your down payment$18,328.76
Closing costs + prepaids$14,976.02
Total buyer cash needed$33,304.78
Remaining funds due$33,304.78
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%)$4,620.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,218.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$735.50
Prepaid interest, first (24 days)$1,934.16
Fees + prepaids$14,976.02
Your down payment is the seller’s equity. You take over the $443,671 balance, so the rest of the $462,000 price is paid at closing. A second mortgage can cover part of it. $33,304.78 is due at closing. Uses and sources reconcile at $476,976.02 each. Not a Closing Disclosure.