Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$14,524Cash toward the purchase price.
Closing costs + prepaids$14,833Not just lender fees.
Before credits & paid funds$29,357The complete starting cash picture.
Estimated remaining funds due at closing
$29,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,523.59
Your down payment$14,523.59
Closing costs + prepaids$14,833.38
Total buyer cash needed$29,356.97
Remaining funds due$29,356.97
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,077.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$848.00
Initial HOA (3 months)$645.00
Prepaid interest, first (30 days)$1,745.00
Fees + prepaids$14,833.38
Your down payment is the seller’s equity. You take over the $415,476 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $29,356.97 is due at closing. Uses and sources reconcile at $444,833.38 each. Not a Closing Disclosure.