Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$40,108Cash toward the purchase price.
Closing costs + prepaids$13,207Not just lender fees.
Before credits & paid funds$53,315The complete starting cash picture.
Estimated remaining funds due at closing
$53,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,107.98
Your down payment$40,107.98
Closing costs + prepaids$13,206.86
Total buyer cash needed$53,314.84
Remaining funds due$53,314.84
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%)$1,824.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$603.75
Prepaid interest, first (23 days)$1,510.65
Fees + prepaids$13,206.86
Your down payment is the seller’s equity. You take over the $364,892 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $53,314.84 is due at closing. Uses and sources reconcile at $418,206.86 each. Not a Closing Disclosure.