Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$14,380Cash toward the purchase price.
Closing costs + prepaids$9,433Not just lender fees.
Before credits & paid funds$23,814The complete starting cash picture.
Estimated remaining funds due at closing
$23,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,380.44
Your down payment$14,380.44
Closing costs + prepaids$9,433.42
Total buyer cash needed$23,813.86
Remaining funds due$23,813.86
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%)$2,444.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,150.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$161.75
Initial HOA (3 months)$390.00
Prepaid interest, first (2 days)$69.57
Fees + prepaids$9,433.42
Your down payment is the seller’s equity. You take over the $230,020 balance, so the rest of the $244,400 price is paid at closing. A second mortgage can cover part of it. $23,813.86 is due at closing. Uses and sources reconcile at $253,833.42 each. Not a Closing Disclosure.