Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$17,942Cash toward the purchase price.
Closing costs + prepaids$13,539Not just lender fees.
Before credits & paid funds$31,481The complete starting cash picture.
Estimated remaining funds due at closing
$31,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,942.24
Your down payment$17,942.24
Closing costs + prepaids$13,538.91
Total buyer cash needed$31,481.14
Remaining funds due$31,481.14
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%)$4,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,000.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$121.26
Prepaid interest, first (28 days)$2,019.36
Fees + prepaids$13,538.91
Your down payment is the seller’s equity. You take over the $400,058 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $31,481.14 is due at closing. Uses and sources reconcile at $431,538.91 each. Not a Closing Disclosure.