Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$13,433Cash toward the purchase price.
Closing costs + prepaids$7,509Not just lender fees.
Before credits & paid funds$20,942The complete starting cash picture.
Estimated remaining funds due at closing
$20,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,433.46
Your down payment$13,433.46
Closing costs + prepaids$7,509.03
Total buyer cash needed$20,942.49
Remaining funds due$20,942.49
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%)$969.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$417.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$412.25
Initial HOA (3 months)$138.00
Prepaid interest, first (31 days)$354.45
Fees + prepaids$7,509.03
Your down payment is the seller’s equity. You take over the $83,467 balance, so the rest of the $96,900 price is paid at closing. A second mortgage can cover part of it. $20,942.49 is due at closing. Uses and sources reconcile at $104,409.03 each. Not a Closing Disclosure.