Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,978Cash toward the purchase price.
Closing costs + prepaids$15,256Not just lender fees.
Before credits & paid funds$35,234The complete starting cash picture.
Estimated remaining funds due at closing
$35,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,978.35
Your down payment$19,978.35
Closing costs + prepaids$15,255.65
Total buyer cash needed$35,234.00
Remaining funds due$35,234.00
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,949.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,830.50
Initial HOA (3 months)$210.00
Prepaid interest, first (30 days)$1,948.54
Fees + prepaids$15,255.65
Your down payment is the seller’s equity. You take over the $389,922 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $35,234.00 is due at closing. Uses and sources reconcile at $425,155.65 each. Not a Closing Disclosure.