Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$20,384Cash toward the purchase price.
Closing costs + prepaids$14,404Not just lender fees.
Before credits & paid funds$34,789The complete starting cash picture.
Estimated remaining funds due at closing
$34,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,384.15
Your down payment$20,384.15
Closing costs + prepaids$14,404.36
Total buyer cash needed$34,788.51
Remaining funds due$34,788.51
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,043.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,446.00
Initial HOA (3 months)$125.01
Prepaid interest, first (23 days)$1,282.27
Fees + prepaids$14,404.36
Your down payment is the seller’s equity. You take over the $408,616 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $34,788.51 is due at closing. Uses and sources reconcile at $443,404.36 each. Not a Closing Disclosure.