Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$2,005Cash toward the purchase price.
Closing costs + prepaids$14,074Not just lender fees.
Before credits & paid funds$16,079The complete starting cash picture.
Estimated remaining funds due at closing
$16,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,005.13
Your down payment$2,005.13
Closing costs + prepaids$14,073.70
Total buyer cash needed$16,078.83
Remaining funds due$16,078.83
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%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,289.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$552.00
Initial HOA (3 months)$185.01
Prepaid interest, first (12 days)$978.73
Fees + prepaids$14,073.70
Your down payment is the seller’s equity. You take over the $457,994 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $16,078.83 is due at closing. Uses and sources reconcile at $474,072.70 each. Not a Closing Disclosure.