Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$9,711Cash toward the purchase price.
Closing costs + prepaids$14,795Not just lender fees.
Before credits & paid funds$24,506The complete starting cash picture.
Estimated remaining funds due at closing
$24,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,711.38
Your down payment$9,711.38
Closing costs + prepaids$14,795.02
Total buyer cash needed$24,506.40
Remaining funds due$24,506.40
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%)$2,201.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.50
Prepaid interest, first (31 days)$2,539.08
Fees + prepaids$14,795.02
Your down payment is the seller’s equity. You take over the $440,289 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $24,506.40 is due at closing. Uses and sources reconcile at $464,795.02 each. Not a Closing Disclosure.