Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$9,694Cash toward the purchase price.
Closing costs + prepaids$15,256Not just lender fees.
Before credits & paid funds$24,950The complete starting cash picture.
Estimated remaining funds due at closing
$24,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,694.37
Your down payment$9,694.37
Closing costs + prepaids$15,255.58
Total buyer cash needed$24,949.95
Remaining funds due$24,949.95
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%)$2,001.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,624.25
Initial HOA (3 months)$40.26
Prepaid interest, first (22 days)$1,271.55
Fees + prepaids$15,255.58
Your down payment is the seller’s equity. You take over the $400,306 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $24,949.95 is due at closing. Uses and sources reconcile at $425,255.58 each. Not a Closing Disclosure.