Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,528Cash toward the purchase price.
Closing costs + prepaids$12,973Not just lender fees.
Before credits & paid funds$29,501The complete starting cash picture.
Estimated remaining funds due at closing
$29,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,527.80
Your down payment$16,527.80
Closing costs + prepaids$12,973.14
Total buyer cash needed$29,500.94
Remaining funds due$29,500.94
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%)$1,967.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$114.75
Prepaid interest, first (24 days)$1,573.03
Fees + prepaids$12,973.14
Your down payment is the seller’s equity. You take over the $393,472 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $29,500.94 is due at closing. Uses and sources reconcile at $422,973.14 each. Not a Closing Disclosure.