Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$8,985Cash toward the purchase price.
Closing costs + prepaids$15,310Not just lender fees.
Before credits & paid funds$24,295The complete starting cash picture.
Estimated remaining funds due at closing
$24,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,985.35
Your down payment$8,985.35
Closing costs + prepaids$15,309.74
Total buyer cash needed$24,295.09
Remaining funds due$24,295.09
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,255.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$910.00
Initial HOA (3 months)$390.00
Prepaid interest, first (21 days)$1,686.67
Fees + prepaids$15,309.74
Your down payment is the seller’s equity. You take over the $451,015 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $24,295.09 is due at closing. Uses and sources reconcile at $475,309.74 each. Not a Closing Disclosure.