Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$15,992Cash toward the purchase price.
Closing costs + prepaids$14,822Not just lender fees.
Before credits & paid funds$30,814The complete starting cash picture.
Estimated remaining funds due at closing
$30,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,992.11
Your down payment$15,992.11
Closing costs + prepaids$14,821.78
Total buyer cash needed$30,813.90
Remaining funds due$30,813.90
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%)$4,625.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,232.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$654.75
Initial HOA (3 months)$426.00
Prepaid interest, first (19 days)$1,415.49
Fees + prepaids$14,821.78
Your down payment is the seller’s equity. You take over the $446,508 balance, so the rest of the $462,500 price is paid at closing. A second mortgage can cover part of it. $30,813.90 is due at closing. Uses and sources reconcile at $477,321.78 each. Not a Closing Disclosure.