Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,807Cash toward the purchase price.
Closing costs + prepaids$13,798Not just lender fees.
Before credits & paid funds$15,605The complete starting cash picture.
Estimated remaining funds due at closing
$15,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,806.64
Your down payment$1,806.64
Closing costs + prepaids$13,798.17
Total buyer cash needed$15,604.81
Remaining funds due$15,604.81
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,085.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.00
Initial HOA (3 months)$216.99
Prepaid interest, first (25 days)$1,760.21
Fees + prepaids$13,798.17
Your down payment is the seller’s equity. You take over the $417,193 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $15,604.81 is due at closing. Uses and sources reconcile at $432,798.17 each. Not a Closing Disclosure.