Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$18,179Cash toward the purchase price.
Closing costs + prepaids$14,980Not just lender fees.
Before credits & paid funds$33,159The complete starting cash picture.
Estimated remaining funds due at closing
$33,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,178.90
Your down payment$18,178.90
Closing costs + prepaids$14,980.48
Total buyer cash needed$33,159.38
Remaining funds due$33,159.38
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%)$2,059.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,207.75
Prepaid interest, first (28 days)$2,195.63
Fees + prepaids$14,980.48
Your down payment is the seller’s equity. You take over the $411,821 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $33,159.38 is due at closing. Uses and sources reconcile at $444,980.48 each. Not a Closing Disclosure.