Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,282Cash toward the purchase price.
Closing costs + prepaids$14,006Not just lender fees.
Before credits & paid funds$45,289The complete starting cash picture.
Estimated remaining funds due at closing
$45,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,282.24
Your down payment$31,282.24
Closing costs + prepaids$14,006.37
Total buyer cash needed$45,288.61
Remaining funds due$45,288.61
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,843.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$865.25
Initial HOA (3 months)$480.00
Prepaid interest, first (26 days)$1,599.53
Fees + prepaids$14,006.37
Your down payment is the seller’s equity. You take over the $368,718 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $45,288.61 is due at closing. Uses and sources reconcile at $414,006.37 each. Not a Closing Disclosure.