Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$27,347Cash toward the purchase price.
Closing costs + prepaids$14,352Not just lender fees.
Before credits & paid funds$41,699The complete starting cash picture.
Estimated remaining funds due at closing
$41,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,347.43
Your down payment$27,347.43
Closing costs + prepaids$14,351.86
Total buyer cash needed$41,699.28
Remaining funds due$41,699.28
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%)$2,113.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$463.25
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$1,832.34
Fees + prepaids$14,351.86
Your down payment is the seller’s equity. You take over the $422,653 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $41,699.28 is due at closing. Uses and sources reconcile at $464,351.86 each. Not a Closing Disclosure.