Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$20,719Cash toward the purchase price.
Closing costs + prepaids$15,024Not just lender fees.
Before credits & paid funds$35,743The complete starting cash picture.
Estimated remaining funds due at closing
$35,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,719.05
Your down payment$20,719.05
Closing costs + prepaids$15,023.65
Total buyer cash needed$35,742.70
Remaining funds due$35,742.70
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%)$4,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,166.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$695.50
Initial HOA (3 months)$12.51
Prepaid interest, first (29 days)$2,141.24
Fees + prepaids$15,023.65
Your down payment is the seller’s equity. You take over the $433,281 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $35,742.70 is due at closing. Uses and sources reconcile at $469,023.65 each. Not a Closing Disclosure.