Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$25,829Cash toward the purchase price.
Closing costs + prepaids$14,344Not just lender fees.
Before credits & paid funds$40,172The complete starting cash picture.
Estimated remaining funds due at closing
$40,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,828.58
Your down payment$25,828.58
Closing costs + prepaids$14,343.87
Total buyer cash needed$40,172.46
Remaining funds due$40,172.46
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%)$4,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,168.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$399.50
Initial HOA (3 months)$275.01
Prepaid interest, first (19 days)$1,438.01
Fees + prepaids$14,343.87
Your down payment is the seller’s equity. You take over the $433,671 balance, so the rest of the $459,500 price is paid at closing. A second mortgage can cover part of it. $40,172.46 is due at closing. Uses and sources reconcile at $473,843.87 each. Not a Closing Disclosure.