Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$5,974Cash toward the purchase price.
Closing costs + prepaids$14,939Not just lender fees.
Before credits & paid funds$20,913The complete starting cash picture.
Estimated remaining funds due at closing
$20,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,973.62
Your down payment$5,973.62
Closing costs + prepaids$14,939.15
Total buyer cash needed$20,912.77
Remaining funds due$20,912.77
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,170.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,191.00
Initial HOA (3 months)$105.00
Prepaid interest, first (24 days)$1,855.02
Fees + prepaids$14,939.15
Your down payment is the seller’s equity. You take over the $434,026 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $20,912.77 is due at closing. Uses and sources reconcile at $454,939.15 each. Not a Closing Disclosure.