Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,869Cash toward the purchase price.
Closing costs + prepaids$14,066Not just lender fees.
Before credits & paid funds$32,936The complete starting cash picture.
Estimated remaining funds due at closing
$32,936No 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$14,066.33
Total buyer cash needed$32,935.52
Remaining funds due$32,935.52
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)$29.50
Initial HOA (3 months)$342.00
Prepaid interest, first (27 days)$2,083.68
Fees + prepaids$14,066.33
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. $32,935.52 is due at closing. Uses and sources reconcile at $446,566.33 each. Not a Closing Disclosure.