Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,647Cash toward the purchase price.
Closing costs + prepaids$15,269Not just lender fees.
Before credits & paid funds$30,916The complete starting cash picture.
Estimated remaining funds due at closing
$30,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,646.83
Your down payment$15,646.83
Closing costs + prepaids$15,269.08
Total buyer cash needed$30,915.92
Remaining funds due$30,915.92
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,166.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.75
Initial HOA (3 months)$204.00
Prepaid interest, first (31 days)$2,539.57
Fees + prepaids$15,269.08
Your down payment is the seller’s equity. You take over the $433,353 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $30,915.92 is due at closing. Uses and sources reconcile at $464,269.08 each. Not a Closing Disclosure.