Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$10,391Cash toward the purchase price.
Closing costs + prepaids$17,834Not just lender fees.
Before credits & paid funds$28,225The complete starting cash picture.
Estimated remaining funds due at closing
$28,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,390.74
Your down payment$10,390.74
Closing costs + prepaids$17,834.44
Total buyer cash needed$28,225.17
Remaining funds due$28,225.17
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%)$4,660.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,278.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,381.00
Initial HOA (3 months)$7.26
Prepaid interest, first (24 days)$2,040.13
Fees + prepaids$17,834.44
Your down payment is the seller’s equity. You take over the $455,609 balance, so the rest of the $466,000 price is paid at closing. A second mortgage can cover part of it. $28,225.17 is due at closing. Uses and sources reconcile at $483,834.44 each. Not a Closing Disclosure.