Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,996Cash toward the purchase price.
Closing costs + prepaids$15,503Not just lender fees.
Before credits & paid funds$41,498The complete starting cash picture.
Estimated remaining funds due at closing
$41,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,995.72
Your down payment$25,995.72
Closing costs + prepaids$15,502.54
Total buyer cash needed$41,498.26
Remaining funds due$41,498.26
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,145.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,456.75
Initial HOA (3 months)$99.99
Prepaid interest, first (24 days)$1,782.78
Fees + prepaids$15,502.54
Your down payment is the seller’s equity. You take over the $429,004 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $41,498.26 is due at closing. Uses and sources reconcile at $470,502.54 each. Not a Closing Disclosure.