Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$10,434Cash toward the purchase price.
Closing costs + prepaids$14,141Not just lender fees.
Before credits & paid funds$24,574The complete starting cash picture.
Estimated remaining funds due at closing
$24,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,433.65
Your down payment$10,433.65
Closing costs + prepaids$14,140.72
Total buyer cash needed$24,574.38
Remaining funds due$24,574.38
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,297.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$564.00
Initial HOA (3 months)$84.99
Prepaid interest, first (12 days)$1,025.90
Fees + prepaids$14,140.72
Your down payment is the seller’s equity. You take over the $459,566 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $24,574.38 is due at closing. Uses and sources reconcile at $484,140.72 each. Not a Closing Disclosure.