Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$23,734Cash toward the purchase price.
Closing costs + prepaids$14,946Not just lender fees.
Before credits & paid funds$38,680The complete starting cash picture.
Estimated remaining funds due at closing
$38,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,733.96
Your down payment$23,733.96
Closing costs + prepaids$14,945.91
Total buyer cash needed$38,679.87
Remaining funds due$38,679.87
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,256.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$470.75
Initial HOA (3 months)$333.00
Prepaid interest, first (19 days)$1,667.83
Fees + prepaids$14,945.91
Your down payment is the seller’s equity. You take over the $451,266 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $38,679.87 is due at closing. Uses and sources reconcile at $489,945.91 each. Not a Closing Disclosure.