Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$406,792Cash toward the purchase price.
Closing costs + prepaids$9,701Not just lender fees.
Before credits & paid funds$416,493The complete starting cash picture.
Estimated remaining funds due at closing
$416,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$406,791.94
Your down payment$406,791.94
Closing costs + prepaids$9,701.15
Total buyer cash needed$416,493.09
Remaining funds due$416,493.09
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%)$4,094.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$13.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$363.50
Prepaid interest, first (23 days)$12.61
Fees + prepaids$9,701.15
Your down payment is the seller’s equity. You take over the $2,608 balance, so the rest of the $409,400 price is paid at closing. A second mortgage can cover part of it. $416,493.09 is due at closing. Uses and sources reconcile at $419,101.15 each. Not a Closing Disclosure.