Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$27,206Cash toward the purchase price.
Closing costs + prepaids$14,106Not just lender fees.
Before credits & paid funds$41,312The complete starting cash picture.
Estimated remaining funds due at closing
$41,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,206.06
Your down payment$27,206.06
Closing costs + prepaids$14,105.60
Total buyer cash needed$41,311.66
Remaining funds due$41,311.66
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%)$4,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,013.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.25
Initial HOA (3 months)$44.01
Prepaid interest, first (30 days)$2,082.38
Fees + prepaids$14,105.60
Your down payment is the seller’s equity. You take over the $402,793 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $41,311.66 is due at closing. Uses and sources reconcile at $444,104.60 each. Not a Closing Disclosure.