Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,980Cash toward the purchase price.
Closing costs + prepaids$14,183Not just lender fees.
Before credits & paid funds$33,162The complete starting cash picture.
Estimated remaining funds due at closing
$33,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,979.63
Your down payment$18,979.63
Closing costs + prepaids$14,182.54
Total buyer cash needed$33,162.17
Remaining funds due$33,162.17
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%)$2,005.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$314.50
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$2,264.94
Fees + prepaids$14,182.54
Your down payment is the seller’s equity. You take over the $401,020 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $33,162.17 is due at closing. Uses and sources reconcile at $434,182.54 each. Not a Closing Disclosure.