Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$7,966Cash toward the purchase price.
Closing costs + prepaids$13,988Not just lender fees.
Before credits & paid funds$21,954The complete starting cash picture.
Estimated remaining funds due at closing
$21,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,965.95
Your down payment$7,965.95
Closing costs + prepaids$13,987.58
Total buyer cash needed$21,953.53
Remaining funds due$21,953.53
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,060.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$255.75
Prepaid interest, first (31 days)$2,253.66
Fees + prepaids$13,987.58
Your down payment is the seller’s equity. You take over the $412,034 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $21,953.53 is due at closing. Uses and sources reconcile at $433,987.58 each. Not a Closing Disclosure.