Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$15,753Cash toward the purchase price.
Closing costs + prepaids$14,155Not just lender fees.
Before credits & paid funds$29,908The complete starting cash picture.
Estimated remaining funds due at closing
$29,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,753.05
Your down payment$15,753.05
Closing costs + prepaids$14,155.02
Total buyer cash needed$29,908.07
Remaining funds due$29,908.07
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%)$4,389.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,115.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$369.25
Initial HOA (3 months)$210.00
Prepaid interest, first (24 days)$1,853.04
Fees + prepaids$14,155.02
Your down payment is the seller’s equity. You take over the $423,147 balance, so the rest of the $438,900 price is paid at closing. A second mortgage can cover part of it. $29,908.07 is due at closing. Uses and sources reconcile at $453,055.02 each. Not a Closing Disclosure.