Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$15,015Cash toward the purchase price.
Closing costs + prepaids$16,422Not just lender fees.
Before credits & paid funds$31,436The complete starting cash picture.
Estimated remaining funds due at closing
$31,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,014.86
Your down payment$15,014.86
Closing costs + prepaids$16,421.51
Total buyer cash needed$31,436.38
Remaining funds due$31,436.38
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%)$4,497.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,173.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,107.75
Initial HOA (3 months)$1,005.00
Prepaid interest, first (30 days)$2,419.18
Fees + prepaids$16,421.51
Your down payment is the seller’s equity. You take over the $434,762 balance, so the rest of the $449,777 price is paid at closing. A second mortgage can cover part of it. $31,436.38 is due at closing. Uses and sources reconcile at $466,198.51 each. Not a Closing Disclosure.