Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$6,773Cash toward the purchase price.
Closing costs + prepaids$16,793Not just lender fees.
Before credits & paid funds$23,566The complete starting cash picture.
Estimated remaining funds due at closing
$23,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,773.41
Your down payment$6,773.41
Closing costs + prepaids$16,792.63
Total buyer cash needed$23,566.05
Remaining funds due$23,566.05
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,040.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,200.00
Initial HOA (3 months)$1,368.00
Prepaid interest, first (25 days)$1,817.00
Fees + prepaids$16,792.63
Your down payment is the seller’s equity. You take over the $408,127 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $23,566.05 is due at closing. Uses and sources reconcile at $431,692.63 each. Not a Closing Disclosure.