Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,694Cash toward the purchase price.
Closing costs + prepaids$15,300Not just lender fees.
Before credits & paid funds$34,994The complete starting cash picture.
Estimated remaining funds due at closing
$34,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,694.41
Your down payment$19,694.41
Closing costs + prepaids$15,300.08
Total buyer cash needed$34,994.49
Remaining funds due$34,994.49
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,201.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$464.25
Initial HOA (3 months)$72.00
Prepaid interest, first (31 days)$2,494.30
Fees + prepaids$15,300.08
Your down payment is the seller’s equity. You take over the $440,306 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $34,994.49 is due at closing. Uses and sources reconcile at $475,300.08 each. Not a Closing Disclosure.