Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$10,467Cash toward the purchase price.
Closing costs + prepaids$15,239Not just lender fees.
Before credits & paid funds$25,707The complete starting cash picture.
Estimated remaining funds due at closing
$25,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,467.12
Your down payment$10,467.12
Closing costs + prepaids$15,239.45
Total buyer cash needed$25,706.56
Remaining funds due$25,706.56
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%)$4,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,167.66
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)$2,559.03
Fees + prepaids$15,239.45
Your down payment is the seller’s equity. You take over the $433,533 balance, so the rest of the $444,000 price is paid at closing. A second mortgage can cover part of it. $25,706.56 is due at closing. Uses and sources reconcile at $459,239.45 each. Not a Closing Disclosure.