Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$24,033Cash toward the purchase price.
Closing costs + prepaids$13,962Not just lender fees.
Before credits & paid funds$37,995The complete starting cash picture.
Estimated remaining funds due at closing
$37,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,032.54
Your down payment$24,032.54
Closing costs + prepaids$13,962.31
Total buyer cash needed$37,994.85
Remaining funds due$37,994.85
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,224.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.75
Prepaid interest, first (12 days)$1,016.72
Fees + prepaids$13,962.31
Your down payment is the seller’s equity. You take over the $444,967 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $37,994.85 is due at closing. Uses and sources reconcile at $482,962.31 each. Not a Closing Disclosure.