Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$14,882Cash toward the purchase price.
Closing costs + prepaids$14,209Not just lender fees.
Before credits & paid funds$29,091The complete starting cash picture.
Estimated remaining funds due at closing
$29,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,881.85
Your down payment$14,881.85
Closing costs + prepaids$14,208.70
Total buyer cash needed$29,090.55
Remaining funds due$29,090.55
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,975.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,149.75
Initial HOA (3 months)$147.00
Prepaid interest, first (23 days)$1,618.36
Fees + prepaids$14,208.70
Your down payment is the seller’s equity. You take over the $395,118 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $29,090.55 is due at closing. Uses and sources reconcile at $424,208.70 each. Not a Closing Disclosure.