Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,969Cash toward the purchase price.
Closing costs + prepaids$14,226Not just lender fees.
Before credits & paid funds$36,195The complete starting cash picture.
Estimated remaining funds due at closing
$36,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,969.03
Your down payment$21,969.03
Closing costs + prepaids$14,226.22
Total buyer cash needed$36,195.25
Remaining funds due$36,195.25
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%)$4,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,952.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$575.50
Initial HOA (3 months)$156.00
Prepaid interest, first (31 days)$2,199.06
Fees + prepaids$14,226.22
Your down payment is the seller’s equity. You take over the $390,531 balance, so the rest of the $412,500 price is paid at closing. A second mortgage can cover part of it. $36,195.25 is due at closing. Uses and sources reconcile at $426,726.22 each. Not a Closing Disclosure.