Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$18,869Cash toward the purchase price.
Closing costs + prepaids$13,244Not just lender fees.
Before credits & paid funds$32,113The complete starting cash picture.
Estimated remaining funds due at closing
$32,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,869.19
Your down payment$18,869.19
Closing costs + prepaids$13,243.89
Total buyer cash needed$32,113.08
Remaining funds due$32,113.08
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%)$4,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,068.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$519.00
Initial HOA (3 months)$342.00
Prepaid interest, first (10 days)$771.73
Fees + prepaids$13,243.89
Your down payment is the seller’s equity. You take over the $413,631 balance, so the rest of the $432,500 price is paid at closing. A second mortgage can cover part of it. $32,113.08 is due at closing. Uses and sources reconcile at $445,743.89 each. Not a Closing Disclosure.