Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,115Cash toward the purchase price.
Closing costs + prepaids$16,039Not just lender fees.
Before credits & paid funds$18,154The complete starting cash picture.
Estimated remaining funds due at closing
$18,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,114.98
Your down payment$2,114.98
Closing costs + prepaids$16,039.46
Total buyer cash needed$18,154.44
Remaining funds due$18,154.44
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%)$2,089.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,050.00
Initial HOA (3 months)$1,530.00
Prepaid interest, first (25 days)$1,952.04
Fees + prepaids$16,039.46
Your down payment is the seller’s equity. You take over the $417,885 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $18,154.44 is due at closing. Uses and sources reconcile at $436,039.46 each. Not a Closing Disclosure.