Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$22,639Cash toward the purchase price.
Closing costs + prepaids$15,582Not just lender fees.
Before credits & paid funds$38,221The complete starting cash picture.
Estimated remaining funds due at closing
$38,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,638.65
Your down payment$22,638.65
Closing costs + prepaids$15,581.89
Total buyer cash needed$38,220.54
Remaining funds due$38,220.54
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,236.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$855.75
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$2,172.83
Fees + prepaids$15,581.89
Your down payment is the seller’s equity. You take over the $447,261 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $38,220.54 is due at closing. Uses and sources reconcile at $485,481.89 each. Not a Closing Disclosure.