Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$27,461Cash toward the purchase price.
Closing costs + prepaids$14,539Not just lender fees.
Before credits & paid funds$42,000The complete starting cash picture.
Estimated remaining funds due at closing
$42,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,460.85
Your down payment$27,460.85
Closing costs + prepaids$14,538.80
Total buyer cash needed$41,999.65
Remaining funds due$41,999.65
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%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,162.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$452.00
Prepaid interest, first (23 days)$1,856.12
Fees + prepaids$14,538.80
Your down payment is the seller’s equity. You take over the $432,538 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $41,999.65 is due at closing. Uses and sources reconcile at $474,537.80 each. Not a Closing Disclosure.