Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$6,914Cash toward the purchase price.
Closing costs + prepaids$14,532Not just lender fees.
Before credits & paid funds$21,446The complete starting cash picture.
Estimated remaining funds due at closing
$21,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,913.71
Your down payment$6,913.71
Closing costs + prepaids$14,531.85
Total buyer cash needed$21,445.56
Remaining funds due$21,445.56
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%)$4,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,235.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$178.25
Initial HOA (3 months)$240.00
Prepaid interest, first (22 days)$1,870.17
Fees + prepaids$14,531.85
Your down payment is the seller’s equity. You take over the $447,086 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $21,445.56 is due at closing. Uses and sources reconcile at $468,531.85 each. Not a Closing Disclosure.