Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$18,415Cash toward the purchase price.
Closing costs + prepaids$14,239Not just lender fees.
Before credits & paid funds$32,654The complete starting cash picture.
Estimated remaining funds due at closing
$32,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,415.05
Your down payment$18,415.05
Closing costs + prepaids$14,238.56
Total buyer cash needed$32,653.61
Remaining funds due$32,653.61
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,957.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$692.00
Initial HOA (3 months)$261.00
Prepaid interest, first (28 days)$2,009.64
Fees + prepaids$14,238.56
Your down payment is the seller’s equity. You take over the $391,585 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $32,653.61 is due at closing. Uses and sources reconcile at $424,238.56 each. Not a Closing Disclosure.