Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$19,436Cash toward the purchase price.
Closing costs + prepaids$16,825Not just lender fees.
Before credits & paid funds$36,261The complete starting cash picture.
Estimated remaining funds due at closing
$36,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,435.97
Your down payment$19,435.97
Closing costs + prepaids$16,825.26
Total buyer cash needed$36,261.23
Remaining funds due$36,261.23
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%)$4,615.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,210.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,853.25
Initial HOA (3 months)$402.00
Prepaid interest, first (26 days)$2,276.69
Fees + prepaids$16,825.26
Your down payment is the seller’s equity. You take over the $442,064 balance, so the rest of the $461,500 price is paid at closing. A second mortgage can cover part of it. $36,261.23 is due at closing. Uses and sources reconcile at $478,325.26 each. Not a Closing Disclosure.