Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$4,389Cash toward the purchase price.
Closing costs + prepaids$15,119Not just lender fees.
Before credits & paid funds$19,507The complete starting cash picture.
Estimated remaining funds due at closing
$19,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,388.55
Your down payment$4,388.55
Closing costs + prepaids$15,118.78
Total buyer cash needed$19,507.33
Remaining funds due$19,507.33
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,403.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$211.00
Initial HOA (3 months)$66.24
Prepaid interest, first (24 days)$2,120.48
Fees + prepaids$15,118.78
Your down payment is the seller’s equity. You take over the $480,611 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $19,507.33 is due at closing. Uses and sources reconcile at $500,118.78 each. Not a Closing Disclosure.