Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$8,030Cash toward the purchase price.
Closing costs + prepaids$14,682Not just lender fees.
Before credits & paid funds$22,712The complete starting cash picture.
Estimated remaining funds due at closing
$22,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,030.04
Your down payment$8,030.04
Closing costs + prepaids$14,681.95
Total buyer cash needed$22,711.99
Remaining funds due$22,711.99
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,034.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$985.00
Initial HOA (3 months)$45.00
Prepaid interest, first (30 days)$2,250.60
Fees + prepaids$14,681.95
Your down payment is the seller’s equity. You take over the $406,870 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $22,711.99 is due at closing. Uses and sources reconcile at $429,581.95 each. Not a Closing Disclosure.