Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$27,956Cash toward the purchase price.
Closing costs + prepaids$27,223Not just lender fees.
Before credits & paid funds$55,179The complete starting cash picture.
Estimated remaining funds due at closing
$55,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,956.21
Your down payment$27,956.21
Closing costs + prepaids$27,222.61
Total buyer cash needed$55,178.82
Remaining funds due$55,178.82
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%)$9,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,509.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,324.75
Initial HOA (3 months)$120.00
Prepaid interest, first (29 days)$4,751.14
Fees + prepaids$27,222.61
Your down payment is the seller’s equity. You take over the $901,944 balance, so the rest of the $929,900 price is paid at closing. A second mortgage can cover part of it. $55,178.82 is due at closing. Uses and sources reconcile at $957,122.61 each. Not a Closing Disclosure.