Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$7,861Cash toward the purchase price.
Closing costs + prepaids$14,611Not just lender fees.
Before credits & paid funds$22,473The complete starting cash picture.
Estimated remaining funds due at closing
$22,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,861.18
Your down payment$7,861.18
Closing costs + prepaids$14,611.44
Total buyer cash needed$22,472.63
Remaining funds due$22,472.63
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%)$4,249.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,085.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,105.75
Prepaid interest, first (31 days)$1,952.07
Fees + prepaids$14,611.44
Your down payment is the seller’s equity. You take over the $417,134 balance, so the rest of the $424,995 price is paid at closing. A second mortgage can cover part of it. $22,472.63 is due at closing. Uses and sources reconcile at $439,606.44 each. Not a Closing Disclosure.