Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$8,437Cash toward the purchase price.
Closing costs + prepaids$9,963Not just lender fees.
Before credits & paid funds$18,400The complete starting cash picture.
Estimated remaining funds due at closing
$18,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,436.97
Your down payment$8,436.97
Closing costs + prepaids$9,963.16
Total buyer cash needed$18,400.13
Remaining funds due$18,400.13
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%)$2,429.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,172.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.00
Initial HOA (3 months)$855.00
Prepaid interest, first (2 days)$86.85
Fees + prepaids$9,963.16
Your down payment is the seller’s equity. You take over the $234,463 balance, so the rest of the $242,900 price is paid at closing. A second mortgage can cover part of it. $18,400.13 is due at closing. Uses and sources reconcile at $252,863.16 each. Not a Closing Disclosure.