Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$17,217Cash toward the purchase price.
Closing costs + prepaids$12,912Not just lender fees.
Before credits & paid funds$30,129The complete starting cash picture.
Estimated remaining funds due at closing
$30,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,217.36
Your down payment$17,217.36
Closing costs + prepaids$12,912.08
Total buyer cash needed$30,129.45
Remaining funds due$30,129.45
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,163.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (6 days)$490.17
Fees + prepaids$12,912.08
Your down payment is the seller’s equity. You take over the $432,783 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $30,129.45 is due at closing. Uses and sources reconcile at $462,912.08 each. Not a Closing Disclosure.