Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$8,095Cash toward the purchase price.
Closing costs + prepaids$12,896Not just lender fees.
Before credits & paid funds$20,990The complete starting cash picture.
Estimated remaining funds due at closing
$20,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,094.81
Your down payment$8,094.81
Closing costs + prepaids$12,895.59
Total buyer cash needed$20,990.40
Remaining funds due$20,990.40
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,209.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$531.25
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$166.83
Fees + prepaids$12,895.59
Your down payment is the seller’s equity. You take over the $441,904 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $20,990.40 is due at closing. Uses and sources reconcile at $462,894.59 each. Not a Closing Disclosure.