Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$10,358Cash toward the purchase price.
Closing costs + prepaids$15,331Not just lender fees.
Before credits & paid funds$25,690The complete starting cash picture.
Estimated remaining funds due at closing
$25,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,358.40
Your down payment$10,358.40
Closing costs + prepaids$15,331.37
Total buyer cash needed$25,689.77
Remaining funds due$25,689.77
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,347.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.00
Prepaid interest, first (27 days)$2,257.66
Fees + prepaids$15,331.37
Your down payment is the seller’s equity. You take over the $469,542 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $25,689.77 is due at closing. Uses and sources reconcile at $495,231.37 each. Not a Closing Disclosure.