Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$8,051Cash toward the purchase price.
Closing costs + prepaids$12,622Not just lender fees.
Before credits & paid funds$20,673The complete starting cash picture.
Estimated remaining funds due at closing
$20,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,050.99
Your down payment$8,050.99
Closing costs + prepaids$12,622.34
Total buyer cash needed$20,673.33
Remaining funds due$20,673.33
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,109.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.00
Prepaid interest, first (6 days)$478.59
Fees + prepaids$12,622.34
Your down payment is the seller’s equity. You take over the $421,949 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $20,673.33 is due at closing. Uses and sources reconcile at $442,622.34 each. Not a Closing Disclosure.