Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$4,872Cash toward the purchase price.
Closing costs + prepaids$13,937Not just lender fees.
Before credits & paid funds$18,808The complete starting cash picture.
Estimated remaining funds due at closing
$18,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,871.60
Your down payment$4,871.60
Closing costs + prepaids$13,936.70
Total buyer cash needed$18,808.30
Remaining funds due$18,808.30
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%)$2,135.64
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 (18 days)$1,337.56
Fees + prepaids$13,936.70
Your down payment is the seller’s equity. You take over the $427,128 balance, so the rest of the $432,000 price is paid at closing. A second mortgage can cover part of it. $18,808.30 is due at closing. Uses and sources reconcile at $445,936.70 each. Not a Closing Disclosure.