Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$25,655Cash toward the purchase price.
Closing costs + prepaids$15,210Not just lender fees.
Before credits & paid funds$40,865The complete starting cash picture.
Estimated remaining funds due at closing
$40,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,654.98
Your down payment$25,654.98
Closing costs + prepaids$15,209.58
Total buyer cash needed$40,864.56
Remaining funds due$40,864.56
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%)$2,171.73
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)$47.49
Prepaid interest, first (22 days)$1,772.37
Fees + prepaids$15,209.58
Your down payment is the seller’s equity. You take over the $434,345 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $40,864.56 is due at closing. Uses and sources reconcile at $475,209.58 each. Not a Closing Disclosure.