Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,541Cash toward the purchase price.
Closing costs + prepaids$14,397Not just lender fees.
Before credits & paid funds$29,938The complete starting cash picture.
Estimated remaining funds due at closing
$29,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,540.89
Your down payment$15,540.89
Closing costs + prepaids$14,397.17
Total buyer cash needed$29,938.06
Remaining funds due$29,938.06
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,271.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$322.75
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$1,350.63
Fees + prepaids$14,397.17
Your down payment is the seller’s equity. You take over the $454,359 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $29,938.06 is due at closing. Uses and sources reconcile at $484,297.17 each. Not a Closing Disclosure.