Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$1,427Cash toward the purchase price.
Closing costs + prepaids$14,413Not just lender fees.
Before credits & paid funds$15,840The complete starting cash picture.
Estimated remaining funds due at closing
$15,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,427.39
Your down payment$1,427.39
Closing costs + prepaids$14,412.83
Total buyer cash needed$15,840.22
Remaining funds due$15,840.22
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%)$4,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,052.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$273.50
Initial HOA (3 months)$555.00
Prepaid interest, first (30 days)$2,193.47
Fees + prepaids$14,412.83
Your down payment is the seller’s equity. You take over the $410,573 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $15,840.22 is due at closing. Uses and sources reconcile at $426,412.83 each. Not a Closing Disclosure.