Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$8,022Cash toward the purchase price.
Closing costs + prepaids$14,492Not just lender fees.
Before credits & paid funds$22,514The complete starting cash picture.
Estimated remaining funds due at closing
$22,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,021.88
Your down payment$8,021.88
Closing costs + prepaids$14,492.40
Total buyer cash needed$22,514.28
Remaining funds due$22,514.28
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,109.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$910.00
Initial HOA (3 months)$405.00
Prepaid interest, first (21 days)$1,551.01
Fees + prepaids$14,492.40
Your down payment is the seller’s equity. You take over the $421,878 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $22,514.28 is due at closing. Uses and sources reconcile at $444,392.40 each. Not a Closing Disclosure.