Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$2,406Cash toward the purchase price.
Closing costs + prepaids$14,841Not just lender fees.
Before credits & paid funds$17,247The complete starting cash picture.
Estimated remaining funds due at closing
$17,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,405.73
Your down payment$2,405.73
Closing costs + prepaids$14,841.03
Total buyer cash needed$17,246.76
Remaining funds due$17,246.76
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,037.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$839.50
Initial HOA (3 months)$32.49
Prepaid interest, first (30 days)$2,613.07
Fees + prepaids$14,841.03
Your down payment is the seller’s equity. You take over the $407,594 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $17,246.76 is due at closing. Uses and sources reconcile at $424,841.03 each. Not a Closing Disclosure.