Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,674Cash toward the purchase price.
Closing costs + prepaids$13,904Not just lender fees.
Before credits & paid funds$40,578The complete starting cash picture.
Estimated remaining funds due at closing
$40,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,674.11
Your down payment$26,674.11
Closing costs + prepaids$13,903.84
Total buyer cash needed$40,577.95
Remaining funds due$40,577.95
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,891.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.75
Initial HOA (3 months)$294.00
Prepaid interest, first (31 days)$1,966.47
Fees + prepaids$13,903.84
Your down payment is the seller’s equity. You take over the $378,326 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $40,577.95 is due at closing. Uses and sources reconcile at $418,903.84 each. Not a Closing Disclosure.