Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$24,177Cash toward the purchase price.
Closing costs + prepaids$15,821Not just lender fees.
Before credits & paid funds$39,997The complete starting cash picture.
Estimated remaining funds due at closing
$39,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,176.72
Your down payment$24,176.72
Closing costs + prepaids$15,820.74
Total buyer cash needed$39,997.46
Remaining funds due$39,997.46
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%)$2,179.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,083.25
Initial HOA (3 months)$162.00
Prepaid interest, first (30 days)$2,328.37
Fees + prepaids$15,820.74
Your down payment is the seller’s equity. You take over the $435,823 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $39,997.46 is due at closing. Uses and sources reconcile at $475,820.74 each. Not a Closing Disclosure.