Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$4,044Cash toward the purchase price.
Closing costs + prepaids$14,219Not just lender fees.
Before credits & paid funds$18,263The complete starting cash picture.
Estimated remaining funds due at closing
$18,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,043.70
Your down payment$4,043.70
Closing costs + prepaids$14,219.05
Total buyer cash needed$18,262.75
Remaining funds due$18,262.75
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%)$2,029.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,025.00
Prepaid interest, first (25 days)$1,846.27
Fees + prepaids$14,219.05
Your down payment is the seller’s equity. You take over the $405,956 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $18,262.75 is due at closing. Uses and sources reconcile at $424,219.05 each. Not a Closing Disclosure.