Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$16,369Cash toward the purchase price.
Closing costs + prepaids$15,623Not just lender fees.
Before credits & paid funds$31,992The complete starting cash picture.
Estimated remaining funds due at closing
$31,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,369.44
Your down payment$16,369.44
Closing costs + prepaids$15,623.02
Total buyer cash needed$31,992.46
Remaining funds due$31,992.46
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,393.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,237.50
Prepaid interest, first (18 days)$1,574.37
Fees + prepaids$15,623.02
Your down payment is the seller’s equity. You take over the $478,631 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $31,992.46 is due at closing. Uses and sources reconcile at $510,623.02 each. Not a Closing Disclosure.