Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$14,888Cash toward the purchase price.
Closing costs + prepaids$13,826Not just lender fees.
Before credits & paid funds$28,714The complete starting cash picture.
Estimated remaining funds due at closing
$28,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,888.32
Your down payment$14,888.32
Closing costs + prepaids$13,825.75
Total buyer cash needed$28,714.07
Remaining funds due$28,714.07
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%)$4,299.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,075.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$698.00
Initial HOA (3 months)$36.00
Prepaid interest, first (31 days)$1,498.35
Fees + prepaids$13,825.75
Your down payment is the seller’s equity. You take over the $415,102 balance, so the rest of the $429,990 price is paid at closing. A second mortgage can cover part of it. $28,714.07 is due at closing. Uses and sources reconcile at $443,815.75 each. Not a Closing Disclosure.