Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$3,617Cash toward the purchase price.
Closing costs + prepaids$14,111Not just lender fees.
Before credits & paid funds$17,728The complete starting cash picture.
Estimated remaining funds due at closing
$17,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,617.23
Your down payment$3,617.23
Closing costs + prepaids$14,110.91
Total buyer cash needed$17,728.14
Remaining funds due$17,728.14
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%)$4,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,171.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,047.00
Initial HOA (3 months)$213.99
Prepaid interest, first (22 days)$1,080.01
Fees + prepaids$14,110.91
Your down payment is the seller’s equity. You take over the $434,383 balance, so the rest of the $438,000 price is paid at closing. A second mortgage can cover part of it. $17,728.14 is due at closing. Uses and sources reconcile at $452,110.91 each. Not a Closing Disclosure.