Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,773Cash toward the purchase price.
Closing costs + prepaids$14,489Not just lender fees.
Before credits & paid funds$36,262The complete starting cash picture.
Estimated remaining funds due at closing
$36,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,772.51
Your down payment$21,772.51
Closing costs + prepaids$14,489.03
Total buyer cash needed$36,261.55
Remaining funds due$36,261.55
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%)$4,365.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,073.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,036.00
Prepaid interest, first (30 days)$1,796.39
Fees + prepaids$14,489.03
Your down payment is the seller’s equity. You take over the $414,727 balance, so the rest of the $436,500 price is paid at closing. A second mortgage can cover part of it. $36,261.55 is due at closing. Uses and sources reconcile at $450,989.03 each. Not a Closing Disclosure.