Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$14,000Cash toward the purchase price.
Closing costs + prepaids$13,795Not just lender fees.
Before credits & paid funds$27,795The complete starting cash picture.
Estimated remaining funds due at closing
$27,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,000.12
Your down payment$14,000.12
Closing costs + prepaids$13,795.14
Total buyer cash needed$27,795.27
Remaining funds due$27,795.27
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%)$1,930.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.75
Prepaid interest, first (29 days)$2,128.39
Fees + prepaids$13,795.14
Your down payment is the seller’s equity. You take over the $386,000 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $27,795.27 is due at closing. Uses and sources reconcile at $413,795.14 each. Not a Closing Disclosure.