Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$16,595Cash toward the purchase price.
Closing costs + prepaids$14,577Not just lender fees.
Before credits & paid funds$31,173The complete starting cash picture.
Estimated remaining funds due at closing
$31,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,595.12
Your down payment$16,595.12
Closing costs + prepaids$14,577.44
Total buyer cash needed$31,172.56
Remaining funds due$31,172.56
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%)$1,917.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,843.25
Prepaid interest, first (22 days)$1,599.17
Fees + prepaids$14,577.44
Your down payment is the seller’s equity. You take over the $383,405 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $31,172.56 is due at closing. Uses and sources reconcile at $414,577.44 each. Not a Closing Disclosure.