Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$23,169Cash toward the purchase price.
Closing costs + prepaids$13,981Not just lender fees.
Before credits & paid funds$37,150The complete starting cash picture.
Estimated remaining funds due at closing
$37,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,168.92
Your down payment$23,168.92
Closing costs + prepaids$13,980.71
Total buyer cash needed$37,149.64
Remaining funds due$37,149.64
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,309.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$582.00
Initial HOA (3 months)$62.49
Prepaid interest, first (12 days)$709.07
Fees + prepaids$13,980.71
Your down payment is the seller’s equity. You take over the $461,831 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $37,149.64 is due at closing. Uses and sources reconcile at $498,980.71 each. Not a Closing Disclosure.