Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,996Cash toward the purchase price.
Closing costs + prepaids$13,513Not just lender fees.
Before credits & paid funds$35,509The complete starting cash picture.
Estimated remaining funds due at closing
$35,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,995.51
Your down payment$21,995.51
Closing costs + prepaids$13,513.04
Total buyer cash needed$35,508.55
Remaining funds due$35,508.55
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,915.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$632.00
Prepaid interest, first (31 days)$1,698.02
Fees + prepaids$13,513.04
Your down payment is the seller’s equity. You take over the $383,004 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $35,508.55 is due at closing. Uses and sources reconcile at $418,513.04 each. Not a Closing Disclosure.