Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$6,848Cash toward the purchase price.
Closing costs + prepaids$15,526Not just lender fees.
Before credits & paid funds$22,374The complete starting cash picture.
Estimated remaining funds due at closing
$22,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,847.55
Your down payment$6,847.55
Closing costs + prepaids$15,526.08
Total buyer cash needed$22,373.63
Remaining funds due$22,373.63
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%)$4,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,290.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$655.00
Prepaid interest, first (29 days)$2,463.82
Fees + prepaids$15,526.08
Your down payment is the seller’s equity. You take over the $458,052 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $22,373.63 is due at closing. Uses and sources reconcile at $480,426.08 each. Not a Closing Disclosure.