Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$8,319Cash toward the purchase price.
Closing costs + prepaids$13,676Not just lender fees.
Before credits & paid funds$21,995The complete starting cash picture.
Estimated remaining funds due at closing
$21,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,319.11
Your down payment$8,319.11
Closing costs + prepaids$13,675.73
Total buyer cash needed$21,994.83
Remaining funds due$21,994.83
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%)$4,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,098.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$254.00
Prepaid interest, first (25 days)$1,825.32
Fees + prepaids$13,675.73
Your down payment is the seller’s equity. You take over the $419,681 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $21,994.83 is due at closing. Uses and sources reconcile at $441,675.73 each. Not a Closing Disclosure.