Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$29,446Cash toward the purchase price.
Closing costs + prepaids$14,235Not just lender fees.
Before credits & paid funds$43,681The complete starting cash picture.
Estimated remaining funds due at closing
$43,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,446.21
Your down payment$29,446.21
Closing costs + prepaids$14,235.03
Total buyer cash needed$43,681.24
Remaining funds due$43,681.24
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%)$4,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,022.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$731.75
Initial HOA (3 months)$111.00
Prepaid interest, first (24 days)$1,811.51
Fees + prepaids$14,235.03
Your down payment is the seller’s equity. You take over the $404,554 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $43,681.24 is due at closing. Uses and sources reconcile at $448,235.03 each. Not a Closing Disclosure.