Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$14,186Cash toward the purchase price.
Closing costs + prepaids$15,393Not just lender fees.
Before credits & paid funds$29,579The complete starting cash picture.
Estimated remaining funds due at closing
$29,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,186.02
Your down payment$14,186.02
Closing costs + prepaids$15,392.99
Total buyer cash needed$29,579.01
Remaining funds due$29,579.01
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,124.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$878.00
Initial HOA (3 months)$297.00
Prepaid interest, first (31 days)$2,485.92
Fees + prepaids$15,392.99
Your down payment is the seller’s equity. You take over the $424,814 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $29,579.01 is due at closing. Uses and sources reconcile at $454,392.99 each. Not a Closing Disclosure.