Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$6,496Cash toward the purchase price.
Closing costs + prepaids$15,058Not just lender fees.
Before credits & paid funds$21,554The complete starting cash picture.
Estimated remaining funds due at closing
$21,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,496.03
Your down payment$6,496.03
Closing costs + prepaids$15,057.94
Total buyer cash needed$21,553.97
Remaining funds due$21,553.97
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,292.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$552.75
Prepaid interest, first (29 days)$2,094.67
Fees + prepaids$15,057.94
Your down payment is the seller’s equity. You take over the $458,504 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $21,553.97 is due at closing. Uses and sources reconcile at $480,057.94 each. Not a Closing Disclosure.