Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$21,015Cash toward the purchase price.
Closing costs + prepaids$14,775Not just lender fees.
Before credits & paid funds$35,790The complete starting cash picture.
Estimated remaining funds due at closing
$35,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,014.84
Your down payment$21,014.84
Closing costs + prepaids$14,774.80
Total buyer cash needed$35,789.64
Remaining funds due$35,789.64
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,044.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,074.75
Initial HOA (3 months)$1,080.00
Prepaid interest, first (18 days)$1,058.62
Fees + prepaids$14,774.80
Your down payment is the seller’s equity. You take over the $408,885 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $35,789.64 is due at closing. Uses and sources reconcile at $444,674.80 each. Not a Closing Disclosure.