Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$27,545Cash toward the purchase price.
Closing costs + prepaids$14,066Not just lender fees.
Before credits & paid funds$41,611The complete starting cash picture.
Estimated remaining funds due at closing
$41,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,545.07
Your down payment$27,545.07
Closing costs + prepaids$14,065.63
Total buyer cash needed$41,610.69
Remaining funds due$41,610.69
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%)$4,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,132.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$567.50
Initial HOA (3 months)$225.00
Prepaid interest, first (16 days)$1,132.85
Fees + prepaids$14,065.63
Your down payment is the seller’s equity. You take over the $426,455 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $41,610.69 is due at closing. Uses and sources reconcile at $468,065.63 each. Not a Closing Disclosure.