Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$1,318Cash toward the purchase price.
Closing costs + prepaids$13,915Not just lender fees.
Before credits & paid funds$15,232The complete starting cash picture.
Estimated remaining funds due at closing
$15,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,317.54
Your down payment$1,317.54
Closing costs + prepaids$13,914.84
Total buyer cash needed$15,232.38
Remaining funds due$15,232.38
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%)$4,399.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,193.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$222.50
Initial HOA (3 months)$81.24
Prepaid interest, first (22 days)$1,800.44
Fees + prepaids$13,914.84
Your down payment is the seller’s equity. You take over the $438,632 balance, so the rest of the $439,950 price is paid at closing. A second mortgage can cover part of it. $15,232.38 is due at closing. Uses and sources reconcile at $453,864.84 each. Not a Closing Disclosure.