Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,789Cash toward the purchase price.
Closing costs + prepaids$15,566Not just lender fees.
Before credits & paid funds$37,355The complete starting cash picture.
Estimated remaining funds due at closing
$37,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,788.67
Your down payment$21,788.67
Closing costs + prepaids$15,566.37
Total buyer cash needed$37,355.04
Remaining funds due$37,355.04
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,141.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,139.50
Initial HOA (3 months)$171.00
Prepaid interest, first (30 days)$2,396.81
Fees + prepaids$15,566.37
Your down payment is the seller’s equity. You take over the $428,211 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $37,355.04 is due at closing. Uses and sources reconcile at $465,566.37 each. Not a Closing Disclosure.