Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$10,879Cash toward the purchase price.
Closing costs + prepaids$12,654Not just lender fees.
Before credits & paid funds$23,533The complete starting cash picture.
Estimated remaining funds due at closing
$23,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,879.36
Your down payment$10,879.36
Closing costs + prepaids$12,653.58
Total buyer cash needed$23,532.94
Remaining funds due$23,532.94
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%)$2,045.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Prepaid interest, first (12 days)$685.98
Fees + prepaids$12,653.58
Your down payment is the seller’s equity. You take over the $409,121 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $23,532.94 is due at closing. Uses and sources reconcile at $432,653.58 each. Not a Closing Disclosure.