Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$25,247Cash toward the purchase price.
Closing costs + prepaids$13,104Not just lender fees.
Before credits & paid funds$38,351The complete starting cash picture.
Estimated remaining funds due at closing
$38,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,246.74
Your down payment$25,246.74
Closing costs + prepaids$13,103.83
Total buyer cash needed$38,350.57
Remaining funds due$38,350.57
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%)$4,070.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,908.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$821.00
Initial HOA (3 months)$237.00
Prepaid interest, first (22 days)$849.06
Fees + prepaids$13,103.83
Your down payment is the seller’s equity. You take over the $381,753 balance, so the rest of the $407,000 price is paid at closing. A second mortgage can cover part of it. $38,350.57 is due at closing. Uses and sources reconcile at $420,103.83 each. Not a Closing Disclosure.