Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$9,121Cash toward the purchase price.
Closing costs + prepaids$11,605Not just lender fees.
Before credits & paid funds$20,725The complete starting cash picture.
Estimated remaining funds due at closing
$20,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,120.67
Your down payment$9,120.67
Closing costs + prepaids$11,604.51
Total buyer cash needed$20,725.18
Remaining funds due$20,725.18
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%)$4,229.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,069.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$12.99
Prepaid interest, first (1 days)$74.27
Fees + prepaids$11,604.51
Your down payment is the seller’s equity. You take over the $413,869 balance, so the rest of the $422,990 price is paid at closing. A second mortgage can cover part of it. $20,725.18 is due at closing. Uses and sources reconcile at $434,594.51 each. Not a Closing Disclosure.