Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$404,778Cash toward the purchase price.
Closing costs + prepaids$9,870Not just lender fees.
Before credits & paid funds$414,648The complete starting cash picture.
Estimated remaining funds due at closing
$414,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,778.49
Your down payment$404,778.49
Closing costs + prepaids$9,869.90
Total buyer cash needed$414,648.39
Remaining funds due$414,648.39
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$51.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$424.75
Prepaid interest, first (30 days)$26.04
Fees + prepaids$9,869.90
Your down payment is the seller’s equity. You take over the $10,222 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $414,648.39 is due at closing. Uses and sources reconcile at $424,869.90 each. Not a Closing Disclosure.