Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$6,496Cash toward the purchase price.
Closing costs + prepaids$14,220Not just lender fees.
Before credits & paid funds$20,716The complete starting cash picture.
Estimated remaining funds due at closing
$20,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,496.03
Your down payment$6,496.03
Closing costs + prepaids$14,219.68
Total buyer cash needed$20,715.71
Remaining funds due$20,715.71
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,292.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$581.25
Prepaid interest, first (17 days)$1,227.91
Fees + prepaids$14,219.68
Your down payment is the seller’s equity. You take over the $458,504 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $20,715.71 is due at closing. Uses and sources reconcile at $479,219.68 each. Not a Closing Disclosure.