Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$31,320Cash toward the purchase price.
Closing costs + prepaids$13,885Not just lender fees.
Before credits & paid funds$45,205The complete starting cash picture.
Estimated remaining funds due at closing
$45,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,319.66
Your down payment$31,319.66
Closing costs + prepaids$13,884.94
Total buyer cash needed$45,204.60
Remaining funds due$45,204.60
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%)$4,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,913.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.00
Initial HOA (3 months)$327.00
Prepaid interest, first (24 days)$1,786.54
Fees + prepaids$13,884.94
Your down payment is the seller’s equity. You take over the $382,680 balance, so the rest of the $414,000 price is paid at closing. A second mortgage can cover part of it. $45,204.60 is due at closing. Uses and sources reconcile at $427,884.94 each. Not a Closing Disclosure.