Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$397,439Cash toward the purchase price.
Closing costs + prepaids$9,915Not just lender fees.
Before credits & paid funds$407,353The complete starting cash picture.
Estimated remaining funds due at closing
$407,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,438.70
Your down payment$397,438.70
Closing costs + prepaids$9,914.74
Total buyer cash needed$407,353.44
Remaining funds due$407,353.44
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$62.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.75
Prepaid interest, first (24 days)$57.68
Fees + prepaids$9,914.74
Your down payment is the seller’s equity. You take over the $12,461 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $407,353.44 is due at closing. Uses and sources reconcile at $419,814.74 each. Not a Closing Disclosure.