Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,647Cash toward the purchase price.
Closing costs + prepaids$14,874Not just lender fees.
Before credits & paid funds$33,521The complete starting cash picture.
Estimated remaining funds due at closing
$33,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,647.16
Your down payment$18,647.16
Closing costs + prepaids$14,874.11
Total buyer cash needed$33,521.26
Remaining funds due$33,521.26
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%)$4,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,951.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,022.50
Initial HOA (3 months)$585.00
Prepaid interest, first (27 days)$2,006.84
Fees + prepaids$14,874.11
Your down payment is the seller’s equity. You take over the $390,353 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $33,521.26 is due at closing. Uses and sources reconcile at $423,874.11 each. Not a Closing Disclosure.