Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$17,254Cash toward the purchase price.
Closing costs + prepaids$15,788Not just lender fees.
Before credits & paid funds$33,042The complete starting cash picture.
Estimated remaining funds due at closing
$33,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,253.65
Your down payment$17,253.65
Closing costs + prepaids$15,788.47
Total buyer cash needed$33,042.12
Remaining funds due$33,042.12
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%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,213.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,064.25
Initial HOA (3 months)$156.00
Prepaid interest, first (29 days)$2,286.51
Fees + prepaids$15,788.47
Your down payment is the seller’s equity. You take over the $442,745 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $33,042.12 is due at closing. Uses and sources reconcile at $475,787.47 each. Not a Closing Disclosure.