Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$16,527Cash toward the purchase price.
Closing costs + prepaids$13,672Not just lender fees.
Before credits & paid funds$30,199The complete starting cash picture.
Estimated remaining funds due at closing
$30,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,526.57
Your down payment$16,526.57
Closing costs + prepaids$13,672.46
Total buyer cash needed$30,199.03
Remaining funds due$30,199.03
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,242.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Initial HOA (3 months)$255.00
Prepaid interest, first (6 days)$499.10
Fees + prepaids$13,672.46
Your down payment is the seller’s equity. You take over the $448,473 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $30,199.03 is due at closing. Uses and sources reconcile at $478,672.46 each. Not a Closing Disclosure.