Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$21,629Cash toward the purchase price.
Closing costs + prepaids$14,932Not just lender fees.
Before credits & paid funds$36,561The complete starting cash picture.
Estimated remaining funds due at closing
$36,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,628.68
Your down payment$21,628.68
Closing costs + prepaids$14,931.95
Total buyer cash needed$36,560.64
Remaining funds due$36,560.64
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,286.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.25
Initial HOA (3 months)$243.00
Prepaid interest, first (20 days)$1,568.85
Fees + prepaids$14,931.95
Your down payment is the seller’s equity. You take over the $457,371 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $36,560.64 is due at closing. Uses and sources reconcile at $493,931.95 each. Not a Closing Disclosure.