Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$15,509Cash toward the purchase price.
Closing costs + prepaids$14,651Not just lender fees.
Before credits & paid funds$30,160The complete starting cash picture.
Estimated remaining funds due at closing
$30,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,509.18
Your down payment$15,509.18
Closing costs + prepaids$14,651.07
Total buyer cash needed$30,160.25
Remaining funds due$30,160.25
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%)$4,525.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,184.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,131.25
Prepaid interest, first (24 days)$1,341.86
Fees + prepaids$14,651.07
Your down payment is the seller’s equity. You take over the $436,991 balance, so the rest of the $452,500 price is paid at closing. A second mortgage can cover part of it. $30,160.25 is due at closing. Uses and sources reconcile at $467,151.07 each. Not a Closing Disclosure.