Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$4,810Cash toward the purchase price.
Closing costs + prepaids$15,038Not just lender fees.
Before credits & paid funds$19,848The complete starting cash picture.
Estimated remaining funds due at closing
$19,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,810.00
Your down payment$4,810.00
Closing costs + prepaids$15,038.20
Total buyer cash needed$19,848.20
Remaining funds due$19,848.20
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,275.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$929.25
Prepaid interest, first (23 days)$1,766.50
Fees + prepaids$15,038.20
Your down payment is the seller’s equity. You take over the $455,090 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $19,848.20 is due at closing. Uses and sources reconcile at $474,938.20 each. Not a Closing Disclosure.