Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$2,270Cash toward the purchase price.
Closing costs + prepaids$13,886Not just lender fees.
Before credits & paid funds$16,155The complete starting cash picture.
Estimated remaining funds due at closing
$16,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,269.58
Your down payment$2,269.58
Closing costs + prepaids$13,885.72
Total buyer cash needed$16,155.30
Remaining funds due$16,155.30
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,088.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$507.75
Prepaid interest, first (24 days)$1,872.81
Fees + prepaids$13,885.72
Your down payment is the seller’s equity. You take over the $417,630 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $16,155.30 is due at closing. Uses and sources reconcile at $433,785.72 each. Not a Closing Disclosure.