Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,576Cash toward the purchase price.
Closing costs + prepaids$12,993Not just lender fees.
Before credits & paid funds$37,570The complete starting cash picture.
Estimated remaining funds due at closing
$37,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,576.48
Your down payment$24,576.48
Closing costs + prepaids$12,993.48
Total buyer cash needed$37,569.96
Remaining funds due$37,569.96
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%)$4,160.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,957.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$666.25
Initial HOA (3 months)$315.00
Prepaid interest, first (22 days)$677.11
Fees + prepaids$12,993.48
Your down payment is the seller’s equity. You take over the $391,424 balance, so the rest of the $416,000 price is paid at closing. A second mortgage can cover part of it. $37,569.96 is due at closing. Uses and sources reconcile at $428,993.48 each. Not a Closing Disclosure.