Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$21,569Cash toward the purchase price.
Closing costs + prepaids$14,012Not just lender fees.
Before credits & paid funds$35,581The complete starting cash picture.
Estimated remaining funds due at closing
$35,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,568.64
Your down payment$21,568.64
Closing costs + prepaids$14,012.34
Total buyer cash needed$35,580.97
Remaining funds due$35,580.97
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,142.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$335.75
Prepaid interest, first (25 days)$1,816.43
Fees + prepaids$14,012.34
Your down payment is the seller’s equity. You take over the $428,431 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $35,580.97 is due at closing. Uses and sources reconcile at $464,012.34 each. Not a Closing Disclosure.