Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$421,377Cash toward the purchase price.
Closing costs + prepaids$12,006Not just lender fees.
Before credits & paid funds$433,383The complete starting cash picture.
Estimated remaining funds due at closing
$433,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,377.32
Your down payment$421,377.32
Closing costs + prepaids$12,006.03
Total buyer cash needed$433,383.34
Remaining funds due$433,383.34
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$38.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,072.50
Initial HOA (3 months)$1,350.00
Prepaid interest, first (26 days)$37.41
Fees + prepaids$12,006.03
Your down payment is the seller’s equity. You take over the $7,623 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $433,383.34 is due at closing. Uses and sources reconcile at $441,006.03 each. Not a Closing Disclosure.