Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$26,025Cash toward the purchase price.
Closing costs + prepaids$14,649Not just lender fees.
Before credits & paid funds$40,674The complete starting cash picture.
Estimated remaining funds due at closing
$40,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,024.95
Your down payment$26,024.95
Closing costs + prepaids$14,649.02
Total buyer cash needed$40,673.97
Remaining funds due$40,673.97
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,944.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,563.00
Initial HOA (3 months)$32.49
Prepaid interest, first (25 days)$740.65
Fees + prepaids$14,649.02
Your down payment is the seller’s equity. You take over the $388,975 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $40,673.97 is due at closing. Uses and sources reconcile at $429,649.02 each. Not a Closing Disclosure.