Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$20,504Cash toward the purchase price.
Closing costs + prepaids$14,937Not just lender fees.
Before credits & paid funds$35,440The complete starting cash picture.
Estimated remaining funds due at closing
$35,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,503.51
Your down payment$20,503.51
Closing costs + prepaids$14,936.92
Total buyer cash needed$35,440.43
Remaining funds due$35,440.43
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,247.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,086.00
Prepaid interest, first (31 days)$1,435.43
Fees + prepaids$14,936.92
Your down payment is the seller’s equity. You take over the $449,496 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $35,440.43 is due at closing. Uses and sources reconcile at $484,936.92 each. Not a Closing Disclosure.