Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$11,318Cash toward the purchase price.
Closing costs + prepaids$14,588Not just lender fees.
Before credits & paid funds$25,905The complete starting cash picture.
Estimated remaining funds due at closing
$25,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,317.54
Your down payment$11,317.54
Closing costs + prepaids$14,587.70
Total buyer cash needed$25,905.24
Remaining funds due$25,905.24
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%)$4,499.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,193.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$222.50
Initial HOA (3 months)$81.24
Prepaid interest, first (29 days)$2,373.30
Fees + prepaids$14,587.70
Your down payment is the seller’s equity. You take over the $438,632 balance, so the rest of the $449,950 price is paid at closing. A second mortgage can cover part of it. $25,905.24 is due at closing. Uses and sources reconcile at $464,537.70 each. Not a Closing Disclosure.