Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$943Cash toward the purchase price.
Closing costs + prepaids$13,403Not just lender fees.
Before credits & paid funds$14,346The complete starting cash picture.
Estimated remaining funds due at closing
$14,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$942.99
Your down payment$942.99
Closing costs + prepaids$13,403.28
Total buyer cash needed$14,346.27
Remaining funds due$14,346.27
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,240.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$538.75
Prepaid interest, first (12 days)$916.25
Fees + prepaids$13,403.28
Your down payment is the seller’s equity. You take over the $448,057 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $14,346.27 is due at closing. Uses and sources reconcile at $462,403.28 each. Not a Closing Disclosure.