Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$28,560Cash toward the purchase price.
Closing costs + prepaids$13,740Not just lender fees.
Before credits & paid funds$42,300The complete starting cash picture.
Estimated remaining funds due at closing
$42,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,559.88
Your down payment$28,559.88
Closing costs + prepaids$13,740.27
Total buyer cash needed$42,300.15
Remaining funds due$42,300.15
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,007.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$264.50
Initial HOA (3 months)$153.00
Prepaid interest, first (24 days)$1,797.57
Fees + prepaids$13,740.27
Your down payment is the seller’s equity. You take over the $401,440 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $42,300.15 is due at closing. Uses and sources reconcile at $443,740.27 each. Not a Closing Disclosure.