Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$9,804Cash toward the purchase price.
Closing costs + prepaids$14,860Not just lender fees.
Before credits & paid funds$24,664The complete starting cash picture.
Estimated remaining funds due at closing
$24,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,804.29
Your down payment$9,804.29
Closing costs + prepaids$14,859.97
Total buyer cash needed$24,664.26
Remaining funds due$24,664.26
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%)$4,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,165.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.50
Initial HOA (3 months)$179.01
Prepaid interest, first (31 days)$2,391.48
Fees + prepaids$14,859.97
Your down payment is the seller’s equity. You take over the $433,196 balance, so the rest of the $443,000 price is paid at closing. A second mortgage can cover part of it. $24,664.26 is due at closing. Uses and sources reconcile at $457,859.97 each. Not a Closing Disclosure.