Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,393Cash toward the purchase price.
Closing costs + prepaids$16,037Not just lender fees.
Before credits & paid funds$41,430The complete starting cash picture.
Estimated remaining funds due at closing
$41,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,392.85
Your down payment$25,392.85
Closing costs + prepaids$16,037.37
Total buyer cash needed$41,430.22
Remaining funds due$41,430.22
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,198.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,162.50
Initial HOA (3 months)$411.99
Prepaid interest, first (31 days)$2,146.85
Fees + prepaids$16,037.37
Your down payment is the seller’s equity. You take over the $439,607 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $41,430.22 is due at closing. Uses and sources reconcile at $481,037.37 each. Not a Closing Disclosure.