Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$13,305Cash toward the purchase price.
Closing costs + prepaids$15,272Not just lender fees.
Before credits & paid funds$28,577The complete starting cash picture.
Estimated remaining funds due at closing
$28,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,304.68
Your down payment$13,304.68
Closing costs + prepaids$15,271.94
Total buyer cash needed$28,576.62
Remaining funds due$28,576.62
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%)$4,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,083.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,560.75
Prepaid interest, first (30 days)$2,109.73
Fees + prepaids$15,271.94
Your down payment is the seller’s equity. You take over the $416,694 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $28,576.62 is due at closing. Uses and sources reconcile at $445,270.94 each. Not a Closing Disclosure.