Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$15,972Cash toward the purchase price.
Closing costs + prepaids$20,252Not just lender fees.
Before credits & paid funds$36,223The complete starting cash picture.
Estimated remaining funds due at closing
$36,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,971.57
Your down payment$15,971.57
Closing costs + prepaids$20,251.88
Total buyer cash needed$36,223.45
Remaining funds due$36,223.45
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%)$8,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,010.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$981.50
Prepaid interest, first (6 days)$862.24
Fees + prepaids$20,251.88
Your down payment is the seller’s equity. You take over the $802,028 balance, so the rest of the $818,000 price is paid at closing. A second mortgage can cover part of it. $36,223.45 is due at closing. Uses and sources reconcile at $838,251.88 each. Not a Closing Disclosure.