Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$4,816Cash toward the purchase price.
Closing costs + prepaids$14,959Not just lender fees.
Before credits & paid funds$19,775The complete starting cash picture.
Estimated remaining funds due at closing
$19,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,815.54
Your down payment$4,815.54
Closing costs + prepaids$14,959.28
Total buyer cash needed$19,774.82
Remaining funds due$19,774.82
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%)$4,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,250.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.75
Initial HOA (3 months)$27.51
Prepaid interest, first (23 days)$1,945.60
Fees + prepaids$14,959.28
Your down payment is the seller’s equity. You take over the $450,084 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $19,774.82 is due at closing. Uses and sources reconcile at $469,859.28 each. Not a Closing Disclosure.