Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$11,116Cash toward the purchase price.
Closing costs + prepaids$14,881Not just lender fees.
Before credits & paid funds$25,997The complete starting cash picture.
Estimated remaining funds due at closing
$25,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,115.69
Your down payment$11,115.69
Closing costs + prepaids$14,881.27
Total buyer cash needed$25,996.96
Remaining funds due$25,996.96
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,208.00
Initial HOA (3 months)$261.00
Prepaid interest, first (29 days)$2,024.84
Fees + prepaids$14,881.27
Your down payment is the seller’s equity. You take over the $403,884 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $25,996.96 is due at closing. Uses and sources reconcile at $429,881.27 each. Not a Closing Disclosure.