Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$13,304Cash toward the purchase price.
Closing costs + prepaids$12,991Not just lender fees.
Before credits & paid funds$26,295The complete starting cash picture.
Estimated remaining funds due at closing
$26,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,303.94
Your down payment$13,303.94
Closing costs + prepaids$12,991.23
Total buyer cash needed$26,295.17
Remaining funds due$26,295.17
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,983.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$457.25
Initial HOA (3 months)$90.99
Prepaid interest, first (27 days)$1,141.51
Fees + prepaids$12,991.23
Your down payment is the seller’s equity. You take over the $396,696 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $26,295.17 is due at closing. Uses and sources reconcile at $422,991.23 each. Not a Closing Disclosure.