Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$13,839Cash toward the purchase price.
Closing costs + prepaids$15,838Not just lender fees.
Before credits & paid funds$29,678The complete starting cash picture.
Estimated remaining funds due at closing
$29,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,839.46
Your down payment$13,839.46
Closing costs + prepaids$15,838.43
Total buyer cash needed$29,677.88
Remaining funds due$29,677.88
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%)$4,549.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,205.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,533.25
Initial HOA (3 months)$38.76
Prepaid interest, first (25 days)$2,042.63
Fees + prepaids$15,838.43
Your down payment is the seller’s equity. You take over the $441,160 balance, so the rest of the $454,999 price is paid at closing. A second mortgage can cover part of it. $29,677.88 is due at closing. Uses and sources reconcile at $470,837.43 each. Not a Closing Disclosure.