Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$13,206Cash toward the purchase price.
Closing costs + prepaids$13,277Not just lender fees.
Before credits & paid funds$26,483The complete starting cash picture.
Estimated remaining funds due at closing
$26,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,206.31
Your down payment$13,206.31
Closing costs + prepaids$13,276.82
Total buyer cash needed$26,483.13
Remaining funds due$26,483.13
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%)$3,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,906.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.75
Initial HOA (3 months)$345.00
Prepaid interest, first (24 days)$1,441.60
Fees + prepaids$13,276.82
Your down payment is the seller’s equity. You take over the $381,294 balance, so the rest of the $394,500 price is paid at closing. A second mortgage can cover part of it. $26,483.13 is due at closing. Uses and sources reconcile at $407,776.82 each. Not a Closing Disclosure.