Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$13,458Cash toward the purchase price.
Closing costs + prepaids$14,203Not just lender fees.
Before credits & paid funds$27,661The complete starting cash picture.
Estimated remaining funds due at closing
$27,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,458.00
Your down payment$13,458.00
Closing costs + prepaids$14,202.98
Total buyer cash needed$27,660.98
Remaining funds due$27,660.98
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,082.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$618.25
Initial HOA (3 months)$315.00
Prepaid interest, first (30 days)$1,669.02
Fees + prepaids$14,202.98
Your down payment is the seller’s equity. You take over the $416,542 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $27,660.98 is due at closing. Uses and sources reconcile at $444,202.98 each. Not a Closing Disclosure.