Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$1,346Cash toward the purchase price.
Closing costs + prepaids$12,423Not just lender fees.
Before credits & paid funds$13,770The complete starting cash picture.
Estimated remaining funds due at closing
$13,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,346.24
Your down payment$1,346.24
Closing costs + prepaids$12,423.33
Total buyer cash needed$13,769.58
Remaining funds due$13,769.58
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,993.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Initial HOA (3 months)$216.00
Prepaid interest, first (9 days)$516.07
Fees + prepaids$12,423.33
Your down payment is the seller’s equity. You take over the $398,654 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $13,769.58 is due at closing. Uses and sources reconcile at $412,423.33 each. Not a Closing Disclosure.