Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$18,408Cash toward the purchase price.
Closing costs + prepaids$14,605Not just lender fees.
Before credits & paid funds$33,013The complete starting cash picture.
Estimated remaining funds due at closing
$33,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,408.10
Your down payment$18,408.10
Closing costs + prepaids$14,604.82
Total buyer cash needed$33,012.93
Remaining funds due$33,012.93
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%)$1,907.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,475.75
Initial HOA (3 months)$432.00
Prepaid interest, first (26 days)$1,571.11
Fees + prepaids$14,604.82
Your down payment is the seller’s equity. You take over the $381,592 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $33,012.93 is due at closing. Uses and sources reconcile at $414,604.82 each. Not a Closing Disclosure.