Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$10,908Cash toward the purchase price.
Closing costs + prepaids$15,292Not just lender fees.
Before credits & paid funds$26,200The complete starting cash picture.
Estimated remaining funds due at closing
$26,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,908.46
Your down payment$10,908.46
Closing costs + prepaids$15,291.64
Total buyer cash needed$26,200.11
Remaining funds due$26,200.11
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,319.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$552.75
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$2,176.95
Fees + prepaids$15,291.64
Your down payment is the seller’s equity. You take over the $463,992 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $26,200.11 is due at closing. Uses and sources reconcile at $490,191.64 each. Not a Closing Disclosure.