Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$6,335Cash toward the purchase price.
Closing costs + prepaids$16,709Not just lender fees.
Before credits & paid funds$23,044The complete starting cash picture.
Estimated remaining funds due at closing
$23,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,335.08
Your down payment$6,335.08
Closing costs + prepaids$16,708.73
Total buyer cash needed$23,043.82
Remaining funds due$23,043.82
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,368.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,327.00
Initial HOA (3 months)$300.00
Prepaid interest, first (28 days)$2,445.41
Fees + prepaids$16,708.73
Your down payment is the seller’s equity. You take over the $473,665 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $23,043.82 is due at closing. Uses and sources reconcile at $496,708.73 each. Not a Closing Disclosure.