Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,479Cash toward the purchase price.
Closing costs + prepaids$14,278Not just lender fees.
Before credits & paid funds$37,756The complete starting cash picture.
Estimated remaining funds due at closing
$37,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,478.50
Your down payment$23,478.50
Closing costs + prepaids$14,277.60
Total buyer cash needed$37,756.10
Remaining funds due$37,756.10
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%)$1,932.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.00
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$2,251.99
Fees + prepaids$14,277.60
Your down payment is the seller’s equity. You take over the $386,521 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $37,756.10 is due at closing. Uses and sources reconcile at $424,277.60 each. Not a Closing Disclosure.