Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$7,516Cash toward the purchase price.
Closing costs + prepaids$13,018Not just lender fees.
Before credits & paid funds$20,533The complete starting cash picture.
Estimated remaining funds due at closing
$20,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,515.54
Your down payment$7,515.54
Closing costs + prepaids$13,017.87
Total buyer cash needed$20,533.41
Remaining funds due$20,533.41
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,111.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$910.00
Initial HOA (3 months)$405.00
Prepaid interest, first (1 days)$73.95
Fees + prepaids$13,017.87
Your down payment is the seller’s equity. You take over the $422,384 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $20,533.41 is due at closing. Uses and sources reconcile at $442,917.87 each. Not a Closing Disclosure.