Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,286Cash toward the purchase price.
Closing costs + prepaids$15,682Not just lender fees.
Before credits & paid funds$39,968The complete starting cash picture.
Estimated remaining funds due at closing
$39,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,286.45
Your down payment$24,286.45
Closing costs + prepaids$15,681.97
Total buyer cash needed$39,968.42
Remaining funds due$39,968.42
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%)$4,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,278.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,174.25
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,766.17
Fees + prepaids$15,681.97
Your down payment is the seller’s equity. You take over the $455,713 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $39,968.42 is due at closing. Uses and sources reconcile at $495,680.97 each. Not a Closing Disclosure.