Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,992Cash toward the purchase price.
Closing costs + prepaids$15,716Not just lender fees.
Before credits & paid funds$31,708The complete starting cash picture.
Estimated remaining funds due at closing
$31,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,992.11
Your down payment$15,992.11
Closing costs + prepaids$15,715.78
Total buyer cash needed$31,707.89
Remaining funds due$31,707.89
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%)$4,625.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,232.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$654.75
Initial HOA (3 months)$426.00
Prepaid interest, first (31 days)$2,309.49
Fees + prepaids$15,715.78
Your down payment is the seller’s equity. You take over the $446,508 balance, so the rest of the $462,500 price is paid at closing. A second mortgage can cover part of it. $31,707.89 is due at closing. Uses and sources reconcile at $478,215.78 each. Not a Closing Disclosure.