Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,412Cash toward the purchase price.
Closing costs + prepaids$14,441Not just lender fees.
Before credits & paid funds$33,853The complete starting cash picture.
Estimated remaining funds due at closing
$33,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,411.98
Your down payment$19,411.98
Closing costs + prepaids$14,441.15
Total buyer cash needed$33,853.14
Remaining funds due$33,853.14
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%)$1,952.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$167.75
Initial HOA (3 months)$750.00
Prepaid interest, first (31 days)$2,252.46
Fees + prepaids$14,441.15
Your down payment is the seller’s equity. You take over the $390,588 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $33,853.14 is due at closing. Uses and sources reconcile at $424,441.15 each. Not a Closing Disclosure.