Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$3,469Cash toward the purchase price.
Closing costs + prepaids$14,458Not just lender fees.
Before credits & paid funds$17,927The complete starting cash picture.
Estimated remaining funds due at closing
$17,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,469.37
Your down payment$3,469.37
Closing costs + prepaids$14,458.04
Total buyer cash needed$17,927.41
Remaining funds due$17,927.41
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%)$4,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,447.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.25
Initial HOA (3 months)$195.00
Prepaid interest, first (19 days)$958.14
Fees + prepaids$14,458.04
Your down payment is the seller’s equity. You take over the $489,531 balance, so the rest of the $493,000 price is paid at closing. A second mortgage can cover part of it. $17,927.41 is due at closing. Uses and sources reconcile at $507,458.04 each. Not a Closing Disclosure.