Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$21,422Cash toward the purchase price.
Closing costs + prepaids$16,100Not just lender fees.
Before credits & paid funds$37,522The complete starting cash picture.
Estimated remaining funds due at closing
$37,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,422.03
Your down payment$21,422.03
Closing costs + prepaids$16,099.75
Total buyer cash needed$37,521.78
Remaining funds due$37,521.78
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%)$2,192.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,150.00
Initial HOA (3 months)$288.00
Prepaid interest, first (29 days)$2,400.88
Fees + prepaids$16,099.75
Your down payment is the seller’s equity. You take over the $438,577 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $37,521.78 is due at closing. Uses and sources reconcile at $476,098.75 each. Not a Closing Disclosure.