Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$38,987Cash toward the purchase price.
Closing costs + prepaids$14,160Not just lender fees.
Before credits & paid funds$53,147The complete starting cash picture.
Estimated remaining funds due at closing
$53,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,987.48
Your down payment$38,987.48
Closing costs + prepaids$14,159.86
Total buyer cash needed$53,147.34
Remaining funds due$53,147.34
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%)$1,855.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$811.75
Initial HOA (3 months)$543.00
Prepaid interest, first (24 days)$1,632.05
Fees + prepaids$14,159.86
Your down payment is the seller’s equity. You take over the $371,013 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $53,147.34 is due at closing. Uses and sources reconcile at $424,159.86 each. Not a Closing Disclosure.