Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$25,867Cash toward the purchase price.
Closing costs + prepaids$14,593Not just lender fees.
Before credits & paid funds$40,461The complete starting cash picture.
Estimated remaining funds due at closing
$40,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,867.49
Your down payment$25,867.49
Closing costs + prepaids$14,593.49
Total buyer cash needed$40,460.98
Remaining funds due$40,460.98
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,170.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$716.75
Initial HOA (3 months)$300.00
Prepaid interest, first (25 days)$1,338.08
Fees + prepaids$14,593.49
Your down payment is the seller’s equity. You take over the $434,133 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $40,460.98 is due at closing. Uses and sources reconcile at $474,593.49 each. Not a Closing Disclosure.