Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,869Cash toward the purchase price.
Closing costs + prepaids$14,784Not just lender fees.
Before credits & paid funds$36,653The complete starting cash picture.
Estimated remaining funds due at closing
$36,653No 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$14,783.90
Total buyer cash needed$36,653.02
Remaining funds due$36,653.02
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)$339.50
Initial HOA (3 months)$114.00
Prepaid interest, first (31 days)$1,936.75
Fees + prepaids$14,783.90
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. $36,653.02 is due at closing. Uses and sources reconcile at $483,783.90 each. Not a Closing Disclosure.