Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,101Cash toward the purchase price.
Closing costs + prepaids$12,864Not just lender fees.
Before credits & paid funds$43,965The complete starting cash picture.
Estimated remaining funds due at closing
$43,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,100.70
Your down payment$31,100.70
Closing costs + prepaids$12,864.24
Total buyer cash needed$43,964.94
Remaining funds due$43,964.94
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%)$1,894.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$817.75
Prepaid interest, first (26 days)$833.99
Fees + prepaids$12,864.24
Your down payment is the seller’s equity. You take over the $378,899 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $43,964.94 is due at closing. Uses and sources reconcile at $422,864.24 each. Not a Closing Disclosure.