Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$21,869Cash toward the purchase price.
Closing costs + prepaids$13,695Not just lender fees.
Before credits & paid funds$35,564The complete starting cash picture.
Estimated remaining funds due at closing
$35,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,869.11
Your down payment$21,869.11
Closing costs + prepaids$13,695.16
Total buyer cash needed$35,564.28
Remaining funds due$35,564.28
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,235.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.75
Initial HOA (3 months)$114.00
Prepaid interest, first (10 days)$624.76
Fees + prepaids$13,695.16
Your down payment is the seller’s equity. You take over the $447,131 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $35,564.28 is due at closing. Uses and sources reconcile at $482,695.16 each. Not a Closing Disclosure.