Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$17,161Cash toward the purchase price.
Closing costs + prepaids$13,283Not just lender fees.
Before credits & paid funds$30,443The complete starting cash picture.
Estimated remaining funds due at closing
$30,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,160.89
Your down payment$17,160.89
Closing costs + prepaids$13,282.50
Total buyer cash needed$30,443.39
Remaining funds due$30,443.39
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,109.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$526.75
Initial HOA (3 months)$270.00
Prepaid interest, first (10 days)$768.56
Fees + prepaids$13,282.50
Your down payment is the seller’s equity. You take over the $421,839 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $30,443.39 is due at closing. Uses and sources reconcile at $452,282.50 each. Not a Closing Disclosure.