Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$19,951Cash toward the purchase price.
Closing costs + prepaids$14,958Not just lender fees.
Before credits & paid funds$34,908The complete starting cash picture.
Estimated remaining funds due at closing
$34,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,950.66
Your down payment$19,950.66
Closing costs + prepaids$14,957.55
Total buyer cash needed$34,908.21
Remaining funds due$34,908.21
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,150.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$706.75
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$2,157.55
Fees + prepaids$14,957.55
Your down payment is the seller’s equity. You take over the $430,049 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $34,908.21 is due at closing. Uses and sources reconcile at $464,957.55 each. Not a Closing Disclosure.