Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$7,424Cash toward the purchase price.
Closing costs + prepaids$15,204Not just lender fees.
Before credits & paid funds$22,628The complete starting cash picture.
Estimated remaining funds due at closing
$22,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,424.49
Your down payment$7,424.49
Closing costs + prepaids$15,203.70
Total buyer cash needed$22,628.19
Remaining funds due$22,628.19
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,957.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$997.50
Initial HOA (3 months)$1,350.00
Prepaid interest, first (26 days)$1,690.32
Fees + prepaids$15,203.70
Your down payment is the seller’s equity. You take over the $391,576 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $22,628.19 is due at closing. Uses and sources reconcile at $414,203.70 each. Not a Closing Disclosure.