Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$8,916Cash toward the purchase price.
Closing costs + prepaids$13,084Not just lender fees.
Before credits & paid funds$22,000The complete starting cash picture.
Estimated remaining funds due at closing
$22,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,915.83
Your down payment$8,915.83
Closing costs + prepaids$13,083.91
Total buyer cash needed$21,999.74
Remaining funds due$21,999.74
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,054.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Initial HOA (3 months)$249.99
Prepaid interest, first (12 days)$858.00
Fees + prepaids$13,083.91
Your down payment is the seller’s equity. You take over the $410,984 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $21,999.74 is due at closing. Uses and sources reconcile at $432,983.91 each. Not a Closing Disclosure.