Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$7,900Cash toward the purchase price.
Closing costs + prepaids$11,926Not just lender fees.
Before credits & paid funds$19,826The complete starting cash picture.
Estimated remaining funds due at closing
$19,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,900.35
Your down payment$7,900.35
Closing costs + prepaids$11,925.58
Total buyer cash needed$19,825.93
Remaining funds due$19,825.93
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%)$4,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,100.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$254.00
Prepaid interest, first (1 days)$73.09
Fees + prepaids$11,925.58
Your down payment is the seller’s equity. You take over the $420,100 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $19,825.93 is due at closing. Uses and sources reconcile at $439,925.58 each. Not a Closing Disclosure.