Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$15,716Cash toward the purchase price.
Closing costs + prepaids$13,944Not just lender fees.
Before credits & paid funds$29,659The complete starting cash picture.
Estimated remaining funds due at closing
$29,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,715.58
Your down payment$15,715.58
Closing costs + prepaids$13,943.80
Total buyer cash needed$29,659.37
Remaining funds due$29,659.37
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,166.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$189.75
Prepaid interest, first (26 days)$1,879.62
Fees + prepaids$13,943.80
Your down payment is the seller’s equity. You take over the $433,284 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $29,659.37 is due at closing. Uses and sources reconcile at $462,943.80 each. Not a Closing Disclosure.