Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$26,597Cash toward the purchase price.
Closing costs + prepaids$12,724Not just lender fees.
Before credits & paid funds$39,321The complete starting cash picture.
Estimated remaining funds due at closing
$39,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,597.09
Your down payment$26,597.09
Closing costs + prepaids$12,724.09
Total buyer cash needed$39,321.18
Remaining funds due$39,321.18
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,017.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.00
Prepaid interest, first (10 days)$673.07
Fees + prepaids$12,724.09
Your down payment is the seller’s equity. You take over the $403,403 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $39,321.18 is due at closing. Uses and sources reconcile at $442,724.09 each. Not a Closing Disclosure.