Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$13,897Cash toward the purchase price.
Closing costs + prepaids$16,583Not just lender fees.
Before credits & paid funds$30,480The complete starting cash picture.
Estimated remaining funds due at closing
$30,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,897.17
Your down payment$13,897.17
Closing costs + prepaids$16,582.77
Total buyer cash needed$30,479.94
Remaining funds due$30,479.94
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%)$4,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,220.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,956.25
Prepaid interest, first (30 days)$2,358.00
Fees + prepaids$16,582.77
Your down payment is the seller’s equity. You take over the $444,103 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $30,479.94 is due at closing. Uses and sources reconcile at $474,582.77 each. Not a Closing Disclosure.