Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$14,007Cash toward the purchase price.
Closing costs + prepaids$17,785Not just lender fees.
Before credits & paid funds$31,792The complete starting cash picture.
Estimated remaining funds due at closing
$31,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,006.97
Your down payment$14,006.97
Closing costs + prepaids$17,785.24
Total buyer cash needed$31,792.21
Remaining funds due$31,792.21
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,379.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,082.75
Initial HOA (3 months)$819.99
Prepaid interest, first (24 days)$2,134.54
Fees + prepaids$17,785.24
Your down payment is the seller’s equity. You take over the $475,993 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $31,792.21 is due at closing. Uses and sources reconcile at $507,785.24 each. Not a Closing Disclosure.