Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$3,409Cash toward the purchase price.
Closing costs + prepaids$13,253Not just lender fees.
Before credits & paid funds$16,662The complete starting cash picture.
Estimated remaining funds due at closing
$16,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,409.01
Your down payment$3,409.01
Closing costs + prepaids$13,252.90
Total buyer cash needed$16,661.91
Remaining funds due$16,661.91
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%)$2,032.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$309.00
Prepaid interest, first (22 days)$1,592.95
Fees + prepaids$13,252.90
Your down payment is the seller’s equity. You take over the $406,591 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $16,661.91 is due at closing. Uses and sources reconcile at $423,252.90 each. Not a Closing Disclosure.