Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$8,715Cash toward the purchase price.
Closing costs + prepaids$16,511Not just lender fees.
Before credits & paid funds$25,226The complete starting cash picture.
Estimated remaining funds due at closing
$25,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,714.76
Your down payment$8,714.76
Closing costs + prepaids$16,511.00
Total buyer cash needed$25,225.76
Remaining funds due$25,225.76
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%)$4,835.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,373.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$538.00
Initial HOA (3 months)$675.00
Prepaid interest, first (31 days)$2,621.07
Fees + prepaids$16,511.00
Your down payment is the seller’s equity. You take over the $474,785 balance, so the rest of the $483,500 price is paid at closing. A second mortgage can cover part of it. $25,225.76 is due at closing. Uses and sources reconcile at $500,011.00 each. Not a Closing Disclosure.