Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$11,352Cash toward the purchase price.
Closing costs + prepaids$14,678Not just lender fees.
Before credits & paid funds$26,030The complete starting cash picture.
Estimated remaining funds due at closing
$26,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,351.89
Your down payment$11,351.89
Closing costs + prepaids$14,678.36
Total buyer cash needed$26,030.25
Remaining funds due$26,030.25
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,188.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$718.25
Initial HOA (3 months)$37.50
Prepaid interest, first (26 days)$2,026.37
Fees + prepaids$14,678.36
Your down payment is the seller’s equity. You take over the $437,648 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $26,030.25 is due at closing. Uses and sources reconcile at $463,678.36 each. Not a Closing Disclosure.