Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$16,690Cash toward the purchase price.
Closing costs + prepaids$12,907Not just lender fees.
Before credits & paid funds$29,597The complete starting cash picture.
Estimated remaining funds due at closing
$29,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,690.23
Your down payment$16,690.23
Closing costs + prepaids$12,906.89
Total buyer cash needed$29,597.12
Remaining funds due$29,597.12
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%)$4,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,006.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.50
Initial HOA (3 months)$261.99
Prepaid interest, first (10 days)$738.85
Fees + prepaids$12,906.89
Your down payment is the seller’s equity. You take over the $401,310 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $29,597.12 is due at closing. Uses and sources reconcile at $430,906.89 each. Not a Closing Disclosure.