Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$17,692Cash toward the purchase price.
Closing costs + prepaids$12,865Not just lender fees.
Before credits & paid funds$30,556The complete starting cash picture.
Estimated remaining funds due at closing
$30,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,691.51
Your down payment$17,691.51
Closing costs + prepaids$12,864.57
Total buyer cash needed$30,556.08
Remaining funds due$30,556.08
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%)$1,961.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Initial HOA (3 months)$360.00
Prepaid interest, first (10 days)$733.03
Fees + prepaids$12,864.57
Your down payment is the seller’s equity. You take over the $392,308 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $30,556.08 is due at closing. Uses and sources reconcile at $422,864.57 each. Not a Closing Disclosure.