Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$26,570Cash toward the purchase price.
Closing costs + prepaids$13,220Not just lender fees.
Before credits & paid funds$39,790The complete starting cash picture.
Estimated remaining funds due at closing
$39,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,570.35
Your down payment$26,570.35
Closing costs + prepaids$13,219.96
Total buyer cash needed$39,790.31
Remaining funds due$39,790.31
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%)$2,112.15
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)$861.06
Fees + prepaids$13,219.96
Your down payment is the seller’s equity. You take over the $422,430 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $39,790.31 is due at closing. Uses and sources reconcile at $462,219.96 each. Not a Closing Disclosure.