Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$13,443Cash toward the purchase price.
Closing costs + prepaids$16,430Not just lender fees.
Before credits & paid funds$29,872The complete starting cash picture.
Estimated remaining funds due at closing
$29,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,442.61
Your down payment$13,442.61
Closing costs + prepaids$16,429.70
Total buyer cash needed$29,872.31
Remaining funds due$29,872.31
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%)$4,695.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,280.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,223.75
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$2,567.67
Fees + prepaids$16,429.70
Your down payment is the seller’s equity. You take over the $456,057 balance, so the rest of the $469,500 price is paid at closing. A second mortgage can cover part of it. $29,872.31 is due at closing. Uses and sources reconcile at $485,929.70 each. Not a Closing Disclosure.