Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$23,709Cash toward the purchase price.
Closing costs + prepaids$12,595Not just lender fees.
Before credits & paid funds$36,304The complete starting cash picture.
Estimated remaining funds due at closing
$36,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,708.51
Your down payment$23,708.51
Closing costs + prepaids$12,595.27
Total buyer cash needed$36,303.78
Remaining funds due$36,303.78
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%)$3,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,871.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$399.25
Initial HOA (3 months)$258.00
Prepaid interest, first (22 days)$868.56
Fees + prepaids$12,595.27
Your down payment is the seller’s equity. You take over the $374,291 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $36,303.78 is due at closing. Uses and sources reconcile at $410,595.27 each. Not a Closing Disclosure.