Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$8,319Cash toward the purchase price.
Closing costs + prepaids$14,114Not just lender fees.
Before credits & paid funds$22,433The complete starting cash picture.
Estimated remaining funds due at closing
$22,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,319.11
Your down payment$8,319.11
Closing costs + prepaids$14,113.81
Total buyer cash needed$22,432.91
Remaining funds due$22,432.91
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%)$2,098.40
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 (31 days)$2,263.40
Fees + prepaids$14,113.81
Your down payment is the seller’s equity. You take over the $419,681 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $22,432.91 is due at closing. Uses and sources reconcile at $442,113.81 each. Not a Closing Disclosure.