Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$13,956Cash toward the purchase price.
Closing costs + prepaids$15,733Not just lender fees.
Before credits & paid funds$29,689The complete starting cash picture.
Estimated remaining funds due at closing
$29,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,956.05
Your down payment$13,956.05
Closing costs + prepaids$15,733.32
Total buyer cash needed$29,689.37
Remaining funds due$29,689.37
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%)$4,705.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,282.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,176.25
Prepaid interest, first (25 days)$2,101.35
Fees + prepaids$15,733.32
Your down payment is the seller’s equity. You take over the $456,544 balance, so the rest of the $470,500 price is paid at closing. A second mortgage can cover part of it. $29,689.37 is due at closing. Uses and sources reconcile at $486,233.32 each. Not a Closing Disclosure.