Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$16,459Cash toward the purchase price.
Closing costs + prepaids$14,633Not just lender fees.
Before credits & paid funds$31,091The complete starting cash picture.
Estimated remaining funds due at closing
$31,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,458.56
Your down payment$16,458.56
Closing costs + prepaids$14,632.65
Total buyer cash needed$31,091.20
Remaining funds due$31,091.20
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,067.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,003.25
Prepaid interest, first (29 days)$2,043.69
Fees + prepaids$14,632.65
Your down payment is the seller’s equity. You take over the $413,541 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $31,091.20 is due at closing. Uses and sources reconcile at $444,632.65 each. Not a Closing Disclosure.