Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$3,308Cash toward the purchase price.
Closing costs + prepaids$14,541Not just lender fees.
Before credits & paid funds$17,850The complete starting cash picture.
Estimated remaining funds due at closing
$17,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,308.48
Your down payment$3,308.48
Closing costs + prepaids$14,541.44
Total buyer cash needed$17,849.92
Remaining funds due$17,849.92
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%)$4,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,203.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$629.50
Initial HOA (3 months)$24.99
Prepaid interest, first (24 days)$2,025.49
Fees + prepaids$14,541.44
Your down payment is the seller’s equity. You take over the $440,692 balance, so the rest of the $444,000 price is paid at closing. A second mortgage can cover part of it. $17,849.92 is due at closing. Uses and sources reconcile at $458,541.44 each. Not a Closing Disclosure.