Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$7,827Cash toward the purchase price.
Closing costs + prepaids$15,087Not just lender fees.
Before credits & paid funds$22,914The complete starting cash picture.
Estimated remaining funds due at closing
$22,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,827.09
Your down payment$7,827.09
Closing costs + prepaids$15,087.00
Total buyer cash needed$22,914.09
Remaining funds due$22,914.09
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%)$4,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,120.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,628.25
Prepaid interest, first (22 days)$1,799.89
Fees + prepaids$15,087.00
Your down payment is the seller’s equity. You take over the $424,173 balance, so the rest of the $432,000 price is paid at closing. A second mortgage can cover part of it. $22,914.09 is due at closing. Uses and sources reconcile at $447,087.00 each. Not a Closing Disclosure.