Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$24,643Cash toward the purchase price.
Closing costs + prepaids$13,451Not just lender fees.
Before credits & paid funds$38,094The complete starting cash picture.
Estimated remaining funds due at closing
$38,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,643.04
Your down payment$24,643.04
Closing costs + prepaids$13,450.74
Total buyer cash needed$38,093.77
Remaining funds due$38,093.77
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%)$4,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,226.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$564.00
Prepaid interest, first (6 days)$491.97
Fees + prepaids$13,450.74
Your down payment is the seller’s equity. You take over the $445,356 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $38,093.77 is due at closing. Uses and sources reconcile at $483,449.74 each. Not a Closing Disclosure.