Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$20,257Cash toward the purchase price.
Closing costs + prepaids$15,173Not just lender fees.
Before credits & paid funds$35,430The complete starting cash picture.
Estimated remaining funds due at closing
$35,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,257.14
Your down payment$20,257.14
Closing costs + prepaids$15,172.99
Total buyer cash needed$35,430.14
Remaining funds due$35,430.14
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,298.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$194.01
Prepaid interest, first (22 days)$1,812.27
Fees + prepaids$15,172.99
Your down payment is the seller’s equity. You take over the $459,743 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $35,430.14 is due at closing. Uses and sources reconcile at $495,172.99 each. Not a Closing Disclosure.