Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$15,523Cash toward the purchase price.
Closing costs + prepaids$13,392Not just lender fees.
Before credits & paid funds$28,915The complete starting cash picture.
Estimated remaining funds due at closing
$28,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,522.84
Your down payment$15,522.84
Closing costs + prepaids$13,391.91
Total buyer cash needed$28,914.75
Remaining funds due$28,914.75
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,147.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$556.25
Prepaid interest, first (13 days)$1,020.27
Fees + prepaids$13,391.91
Your down payment is the seller’s equity. You take over the $429,477 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $28,914.75 is due at closing. Uses and sources reconcile at $458,391.91 each. Not a Closing Disclosure.