Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$16,443Cash toward the purchase price.
Closing costs + prepaids$13,115Not just lender fees.
Before credits & paid funds$29,558The complete starting cash picture.
Estimated remaining funds due at closing
$29,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,442.95
Your down payment$16,442.95
Closing costs + prepaids$13,114.76
Total buyer cash needed$29,557.71
Remaining funds due$29,557.71
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,017.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$274.00
Initial HOA (3 months)$390.00
Prepaid interest, first (18 days)$1,014.97
Fees + prepaids$13,114.76
Your down payment is the seller’s equity. You take over the $403,557 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $29,557.71 is due at closing. Uses and sources reconcile at $433,114.76 each. Not a Closing Disclosure.