Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,698Cash toward the purchase price.
Closing costs + prepaids$14,083Not just lender fees.
Before credits & paid funds$15,781The complete starting cash picture.
Estimated remaining funds due at closing
$15,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,698.06
Your down payment$1,698.06
Closing costs + prepaids$14,082.84
Total buyer cash needed$15,780.90
Remaining funds due$15,780.90
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%)$3,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,981.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$995.00
Prepaid interest, first (26 days)$1,908.33
Fees + prepaids$14,082.84
Your down payment is the seller’s equity. You take over the $396,302 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $15,780.90 is due at closing. Uses and sources reconcile at $412,082.84 each. Not a Closing Disclosure.