Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$16,183Cash toward the purchase price.
Closing costs + prepaids$14,387Not just lender fees.
Before credits & paid funds$30,570The complete starting cash picture.
Estimated remaining funds due at closing
$30,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,182.95
Your down payment$16,182.95
Closing costs + prepaids$14,387.25
Total buyer cash needed$30,570.20
Remaining funds due$30,570.20
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,094.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,028.75
Initial HOA (3 months)$171.00
Prepaid interest, first (23 days)$1,525.41
Fees + prepaids$14,387.25
Your down payment is the seller’s equity. You take over the $418,817 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $30,570.20 is due at closing. Uses and sources reconcile at $449,387.25 each. Not a Closing Disclosure.