Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,183Cash toward the purchase price.
Closing costs + prepaids$14,998Not just lender fees.
Before credits & paid funds$34,182The complete starting cash picture.
Estimated remaining funds due at closing
$34,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,183.35
Your down payment$19,183.35
Closing costs + prepaids$14,998.38
Total buyer cash needed$34,181.73
Remaining funds due$34,181.73
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,049.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$919.50
Initial HOA (3 months)$201.00
Prepaid interest, first (30 days)$2,320.80
Fees + prepaids$14,998.38
Your down payment is the seller’s equity. You take over the $409,817 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $34,181.73 is due at closing. Uses and sources reconcile at $443,998.38 each. Not a Closing Disclosure.