Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$22,726Cash toward the purchase price.
Closing costs + prepaids$12,763Not just lender fees.
Before credits & paid funds$35,489The complete starting cash picture.
Estimated remaining funds due at closing
$35,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,725.68
Your down payment$22,725.68
Closing costs + prepaids$12,763.07
Total buyer cash needed$35,488.75
Remaining funds due$35,488.75
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%)$4,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,011.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.00
Initial HOA (3 months)$125.01
Prepaid interest, first (9 days)$648.71
Fees + prepaids$12,763.07
Your down payment is the seller’s equity. You take over the $402,273 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $35,488.75 is due at closing. Uses and sources reconcile at $437,762.07 each. Not a Closing Disclosure.