Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,885Cash toward the purchase price.
Closing costs + prepaids$16,058Not just lender fees.
Before credits & paid funds$41,943The complete starting cash picture.
Estimated remaining funds due at closing
$41,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,884.55
Your down payment$25,884.55
Closing costs + prepaids$16,058.39
Total buyer cash needed$41,942.94
Remaining funds due$41,942.94
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,120.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,873.00
Initial HOA (3 months)$1,335.00
Prepaid interest, first (28 days)$1,011.83
Fees + prepaids$16,058.39
Your down payment is the seller’s equity. You take over the $424,114 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $41,942.94 is due at closing. Uses and sources reconcile at $466,057.39 each. Not a Closing Disclosure.