Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$6,237Cash toward the purchase price.
Closing costs + prepaids$15,499Not just lender fees.
Before credits & paid funds$21,735The complete starting cash picture.
Estimated remaining funds due at closing
$21,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,236.74
Your down payment$6,236.74
Closing costs + prepaids$15,498.53
Total buyer cash needed$21,735.26
Remaining funds due$21,735.26
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%)$4,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,393.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$184.75
Initial HOA (3 months)$447.51
Prepaid interest, first (24 days)$2,155.95
Fees + prepaids$15,498.53
Your down payment is the seller’s equity. You take over the $478,663 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $21,735.26 is due at closing. Uses and sources reconcile at $500,398.53 each. Not a Closing Disclosure.