Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$14,690Cash toward the purchase price.
Closing costs + prepaids$14,301Not just lender fees.
Before credits & paid funds$28,990The complete starting cash picture.
Estimated remaining funds due at closing
$28,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,689.57
Your down payment$14,689.57
Closing costs + prepaids$14,300.73
Total buyer cash needed$28,990.30
Remaining funds due$28,990.30
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%)$3,948.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,901.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$773.25
Initial HOA (3 months)$438.00
Prepaid interest, first (31 days)$2,021.46
Fees + prepaids$14,300.73
Your down payment is the seller’s equity. You take over the $380,208 balance, so the rest of the $394,898 price is paid at closing. A second mortgage can cover part of it. $28,990.30 is due at closing. Uses and sources reconcile at $409,198.73 each. Not a Closing Disclosure.