Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$4,721Cash toward the purchase price.
Closing costs + prepaids$14,883Not just lender fees.
Before credits & paid funds$19,603The complete starting cash picture.
Estimated remaining funds due at closing
$19,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,720.71
Your down payment$4,720.71
Closing costs + prepaids$14,882.62
Total buyer cash needed$19,603.33
Remaining funds due$19,603.33
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%)$4,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,136.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Initial HOA (3 months)$363.00
Prepaid interest, first (30 days)$2,282.72
Fees + prepaids$14,882.62
Your down payment is the seller’s equity. You take over the $427,279 balance, so the rest of the $432,000 price is paid at closing. A second mortgage can cover part of it. $19,603.33 is due at closing. Uses and sources reconcile at $446,882.62 each. Not a Closing Disclosure.