Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$16,017Cash toward the purchase price.
Closing costs + prepaids$14,397Not just lender fees.
Before credits & paid funds$30,414The complete starting cash picture.
Estimated remaining funds due at closing
$30,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,017.06
Your down payment$16,017.06
Closing costs + prepaids$14,396.66
Total buyer cash needed$30,413.72
Remaining funds due$30,413.72
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%)$4,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,959.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,020.00
Initial HOA (3 months)$48.00
Prepaid interest, first (31 days)$2,070.74
Fees + prepaids$14,396.66
Your down payment is the seller’s equity. You take over the $391,983 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $30,413.72 is due at closing. Uses and sources reconcile at $422,396.66 each. Not a Closing Disclosure.