Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$23,900Cash toward the purchase price.
Closing costs + prepaids$13,815Not just lender fees.
Before credits & paid funds$37,715The complete starting cash picture.
Estimated remaining funds due at closing
$37,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,899.57
Your down payment$23,899.57
Closing costs + prepaids$13,815.04
Total buyer cash needed$37,714.60
Remaining funds due$37,714.60
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,205.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Initial HOA (3 months)$170.01
Prepaid interest, first (9 days)$763.53
Fees + prepaids$13,815.04
Your down payment is the seller’s equity. You take over the $441,100 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $37,714.60 is due at closing. Uses and sources reconcile at $478,815.04 each. Not a Closing Disclosure.