Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,207Cash toward the purchase price.
Closing costs + prepaids$14,062Not just lender fees.
Before credits & paid funds$26,269The complete starting cash picture.
Estimated remaining funds due at closing
$26,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,206.62
Your down payment$12,206.62
Closing costs + prepaids$14,062.20
Total buyer cash needed$26,268.82
Remaining funds due$26,268.82
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,038.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$600.50
Initial HOA (3 months)$6.75
Prepaid interest, first (27 days)$1,999.48
Fees + prepaids$14,062.20
Your down payment is the seller’s equity. You take over the $407,693 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $26,268.82 is due at closing. Uses and sources reconcile at $433,962.20 each. Not a Closing Disclosure.