Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$25,829Cash toward the purchase price.
Closing costs + prepaids$13,815Not just lender fees.
Before credits & paid funds$39,643The complete starting cash picture.
Estimated remaining funds due at closing
$39,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,828.58
Your down payment$25,828.58
Closing costs + prepaids$13,814.71
Total buyer cash needed$39,643.30
Remaining funds due$39,643.30
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%)$4,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,168.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$551.50
Initial HOA (3 months)$275.01
Prepaid interest, first (10 days)$756.85
Fees + prepaids$13,814.71
Your down payment is the seller’s equity. You take over the $433,671 balance, so the rest of the $459,500 price is paid at closing. A second mortgage can cover part of it. $39,643.30 is due at closing. Uses and sources reconcile at $473,314.71 each. Not a Closing Disclosure.