Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$10,358Cash toward the purchase price.
Closing costs + prepaids$13,943Not just lender fees.
Before credits & paid funds$24,302The complete starting cash picture.
Estimated remaining funds due at closing
$24,302No 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$13,943.26
Total buyer cash needed$24,301.66
Remaining funds due$24,301.66
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)$576.00
Prepaid interest, first (9 days)$752.55
Fees + prepaids$13,943.26
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. $24,301.66 is due at closing. Uses and sources reconcile at $493,843.26 each. Not a Closing Disclosure.