Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$9,977Cash toward the purchase price.
Closing costs + prepaids$12,848Not just lender fees.
Before credits & paid funds$22,825The complete starting cash picture.
Estimated remaining funds due at closing
$22,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,977.20
Your down payment$9,977.20
Closing costs + prepaids$12,848.15
Total buyer cash needed$22,825.35
Remaining funds due$22,825.35
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%)$4,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,170.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.75
Initial HOA (3 months)$204.00
Prepaid interest, first (2 days)$165.29
Fees + prepaids$12,848.15
Your down payment is the seller’s equity. You take over the $434,023 balance, so the rest of the $444,000 price is paid at closing. A second mortgage can cover part of it. $22,825.35 is due at closing. Uses and sources reconcile at $456,848.15 each. Not a Closing Disclosure.