Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$25,518Cash toward the purchase price.
Closing costs + prepaids$13,627Not just lender fees.
Before credits & paid funds$39,146The complete starting cash picture.
Estimated remaining funds due at closing
$39,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,518.18
Your down payment$25,518.18
Closing costs + prepaids$13,627.49
Total buyer cash needed$39,145.67
Remaining funds due$39,145.67
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%)$4,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,146.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$546.00
Prepaid interest, first (12 days)$917.58
Fees + prepaids$13,627.49
Your down payment is the seller’s equity. You take over the $429,382 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $39,145.67 is due at closing. Uses and sources reconcile at $468,527.49 each. Not a Closing Disclosure.