Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$3,753Cash toward the purchase price.
Closing costs + prepaids$14,145Not just lender fees.
Before credits & paid funds$17,897The complete starting cash picture.
Estimated remaining funds due at closing
$17,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,752.53
Your down payment$3,752.53
Closing costs + prepaids$14,144.96
Total buyer cash needed$17,897.49
Remaining funds due$17,897.49
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%)$3,999.91
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,981.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,082.00
Initial HOA (3 months)$171.00
Prepaid interest, first (23 days)$1,692.86
Fees + prepaids$14,144.96
Your down payment is the seller’s equity. You take over the $396,238 balance, so the rest of the $399,991 price is paid at closing. A second mortgage can cover part of it. $17,897.49 is due at closing. Uses and sources reconcile at $414,135.96 each. Not a Closing Disclosure.