Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,417Cash toward the purchase price.
Closing costs + prepaids$14,955Not just lender fees.
Before credits & paid funds$34,371The complete starting cash picture.
Estimated remaining funds due at closing
$34,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,416.68
Your down payment$19,416.68
Closing costs + prepaids$14,954.74
Total buyer cash needed$34,371.42
Remaining funds due$34,371.42
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%)$3,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,902.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,822.25
Initial HOA (3 months)$315.00
Prepaid interest, first (24 days)$1,696.65
Fees + prepaids$14,954.74
Your down payment is the seller’s equity. You take over the $380,578 balance, so the rest of the $399,995 price is paid at closing. A second mortgage can cover part of it. $34,371.42 is due at closing. Uses and sources reconcile at $414,949.74 each. Not a Closing Disclosure.