Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$8,715Cash toward the purchase price.
Closing costs + prepaids$14,693Not just lender fees.
Before credits & paid funds$23,408The complete starting cash picture.
Estimated remaining funds due at closing
$23,408No 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$14,693.13
Total buyer cash needed$23,407.90
Remaining funds due$23,407.90
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)$580.25
Initial HOA (3 months)$675.00
Prepaid interest, first (9 days)$760.96
Fees + prepaids$14,693.13
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. $23,407.90 is due at closing. Uses and sources reconcile at $498,193.13 each. Not a Closing Disclosure.