Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,495Cash toward the purchase price.
Closing costs + prepaids$14,935Not just lender fees.
Before credits & paid funds$34,430The complete starting cash picture.
Estimated remaining funds due at closing
$34,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,495.07
Your down payment$19,495.07
Closing costs + prepaids$14,934.76
Total buyer cash needed$34,429.84
Remaining funds due$34,429.84
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,977.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$532.25
Initial HOA (3 months)$494.01
Prepaid interest, first (31 days)$2,562.98
Fees + prepaids$14,934.76
Your down payment is the seller’s equity. You take over the $395,505 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $34,429.84 is due at closing. Uses and sources reconcile at $429,934.76 each. Not a Closing Disclosure.