Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,675Cash toward the purchase price.
Closing costs + prepaids$13,129Not just lender fees.
Before credits & paid funds$37,804The complete starting cash picture.
Estimated remaining funds due at closing
$37,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,674.52
Your down payment$24,674.52
Closing costs + prepaids$13,129.12
Total buyer cash needed$37,803.63
Remaining funds due$37,803.63
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,901.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$173.00
Prepaid interest, first (27 days)$1,786.49
Fees + prepaids$13,129.12
Your down payment is the seller’s equity. You take over the $380,325 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $37,803.63 is due at closing. Uses and sources reconcile at $418,129.12 each. Not a Closing Disclosure.