Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$26,473Cash toward the purchase price.
Closing costs + prepaids$13,651Not just lender fees.
Before credits & paid funds$40,124The complete starting cash picture.
Estimated remaining funds due at closing
$40,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,472.67
Your down payment$26,472.67
Closing costs + prepaids$13,651.37
Total buyer cash needed$40,124.05
Remaining funds due$40,124.05
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,117.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (16 days)$1,254.74
Fees + prepaids$13,651.37
Your down payment is the seller’s equity. You take over the $423,427 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $40,124.05 is due at closing. Uses and sources reconcile at $463,551.37 each. Not a Closing Disclosure.