Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$14,000Cash toward the purchase price.
Closing costs + prepaids$13,281Not just lender fees.
Before credits & paid funds$27,282The complete starting cash picture.
Estimated remaining funds due at closing
$27,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,000.12
Your down payment$14,000.12
Closing costs + prepaids$13,281.39
Total buyer cash needed$27,281.52
Remaining funds due$27,281.52
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,930.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.75
Prepaid interest, first (22 days)$1,614.64
Fees + prepaids$13,281.39
Your down payment is the seller’s equity. You take over the $386,000 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $27,281.52 is due at closing. Uses and sources reconcile at $413,281.39 each. Not a Closing Disclosure.