Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$9,698Cash toward the purchase price.
Closing costs + prepaids$12,250Not just lender fees.
Before credits & paid funds$21,949The complete starting cash picture.
Estimated remaining funds due at closing
$21,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,698.28
Your down payment$9,698.28
Closing costs + prepaids$12,250.24
Total buyer cash needed$21,948.52
Remaining funds due$21,948.52
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%)$4,449.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,176.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$255.00
Prepaid interest, first (2 days)$150.75
Fees + prepaids$12,250.24
Your down payment is the seller’s equity. You take over the $435,301 balance, so the rest of the $444,999 price is paid at closing. A second mortgage can cover part of it. $21,948.52 is due at closing. Uses and sources reconcile at $457,249.24 each. Not a Closing Disclosure.