Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$8,916Cash toward the purchase price.
Closing costs + prepaids$14,058Not just lender fees.
Before credits & paid funds$22,973The complete starting cash picture.
Estimated remaining funds due at closing
$22,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,915.83
Your down payment$8,915.83
Closing costs + prepaids$14,057.66
Total buyer cash needed$22,973.49
Remaining funds due$22,973.49
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%)$2,054.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$619.75
Initial HOA (3 months)$249.99
Prepaid interest, first (24 days)$1,716.00
Fees + prepaids$14,057.66
Your down payment is the seller’s equity. You take over the $410,984 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $22,973.49 is due at closing. Uses and sources reconcile at $433,957.66 each. Not a Closing Disclosure.