Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$6,443Cash toward the purchase price.
Closing costs + prepaids$14,401Not just lender fees.
Before credits & paid funds$20,843The complete starting cash picture.
Estimated remaining funds due at closing
$20,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,442.52
Your down payment$6,442.52
Closing costs + prepaids$14,400.88
Total buyer cash needed$20,843.40
Remaining funds due$20,843.40
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,917.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$424.75
Initial HOA (3 months)$1,350.00
Prepaid interest, first (23 days)$1,590.34
Fees + prepaids$14,400.88
Your down payment is the seller’s equity. You take over the $383,557 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $20,843.40 is due at closing. Uses and sources reconcile at $404,400.88 each. Not a Closing Disclosure.