Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,201Cash toward the purchase price.
Closing costs + prepaids$14,124Not just lender fees.
Before credits & paid funds$37,325The complete starting cash picture.
Estimated remaining funds due at closing
$37,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,201.30
Your down payment$23,201.30
Closing costs + prepaids$14,123.70
Total buyer cash needed$37,325.00
Remaining funds due$37,325.00
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,958.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$686.25
Prepaid interest, first (30 days)$2,111.95
Fees + prepaids$14,123.70
Your down payment is the seller’s equity. You take over the $391,699 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $37,325.00 is due at closing. Uses and sources reconcile at $429,023.70 each. Not a Closing Disclosure.