Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,311Cash toward the purchase price.
Closing costs + prepaids$14,122Not just lender fees.
Before credits & paid funds$39,434The complete starting cash picture.
Estimated remaining funds due at closing
$39,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,311.28
Your down payment$25,311.28
Closing costs + prepaids$14,122.42
Total buyer cash needed$39,433.70
Remaining funds due$39,433.70
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,148.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$387.00
Initial HOA (3 months)$68.01
Prepaid interest, first (30 days)$1,500.97
Fees + prepaids$14,122.42
Your down payment is the seller’s equity. You take over the $429,689 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $39,433.70 is due at closing. Uses and sources reconcile at $469,122.42 each. Not a Closing Disclosure.