Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$16,443Cash toward the purchase price.
Closing costs + prepaids$13,735Not just lender fees.
Before credits & paid funds$30,178The complete starting cash picture.
Estimated remaining funds due at closing
$30,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,442.95
Your down payment$16,442.95
Closing costs + prepaids$13,735.02
Total buyer cash needed$30,177.97
Remaining funds due$30,177.97
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,017.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$274.00
Initial HOA (3 months)$390.00
Prepaid interest, first (29 days)$1,635.24
Fees + prepaids$13,735.02
Your down payment is the seller’s equity. You take over the $403,557 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $30,177.97 is due at closing. Uses and sources reconcile at $433,735.02 each. Not a Closing Disclosure.