Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$19,029Cash toward the purchase price.
Closing costs + prepaids$14,229Not just lender fees.
Before credits & paid funds$33,258The complete starting cash picture.
Estimated remaining funds due at closing
$33,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,029.05
Your down payment$19,029.05
Closing costs + prepaids$14,228.79
Total buyer cash needed$33,257.84
Remaining funds due$33,257.84
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%)$2,004.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$648.00
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$2,007.93
Fees + prepaids$14,228.79
Your down payment is the seller’s equity. You take over the $400,971 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $33,257.84 is due at closing. Uses and sources reconcile at $434,228.79 each. Not a Closing Disclosure.