Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$9,182Cash toward the purchase price.
Closing costs + prepaids$14,082Not just lender fees.
Before credits & paid funds$23,264The complete starting cash picture.
Estimated remaining funds due at closing
$23,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,182.29
Your down payment$9,182.29
Closing costs + prepaids$14,081.61
Total buyer cash needed$23,263.90
Remaining funds due$23,263.90
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%)$2,104.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$242.25
Initial HOA (3 months)$44.01
Prepaid interest, first (29 days)$2,173.26
Fees + prepaids$14,081.61
Your down payment is the seller’s equity. You take over the $420,818 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $23,263.90 is due at closing. Uses and sources reconcile at $444,081.61 each. Not a Closing Disclosure.