Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,434Cash toward the purchase price.
Closing costs + prepaids$15,649Not just lender fees.
Before credits & paid funds$33,082The complete starting cash picture.
Estimated remaining funds due at closing
$33,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,433.65
Your down payment$17,433.65
Closing costs + prepaids$15,648.82
Total buyer cash needed$33,082.48
Remaining funds due$33,082.48
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%)$4,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,297.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$377.75
Initial HOA (3 months)$84.99
Prepaid interest, first (31 days)$2,650.25
Fees + prepaids$15,648.82
Your down payment is the seller’s equity. You take over the $459,566 balance, so the rest of the $477,000 price is paid at closing. A second mortgage can cover part of it. $33,082.48 is due at closing. Uses and sources reconcile at $492,648.82 each. Not a Closing Disclosure.