Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$25,364Cash toward the purchase price.
Closing costs + prepaids$12,552Not just lender fees.
Before credits & paid funds$37,916The complete starting cash picture.
Estimated remaining funds due at closing
$37,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,363.96
Your down payment$25,363.96
Closing costs + prepaids$12,551.86
Total buyer cash needed$37,915.82
Remaining funds due$37,915.82
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%)$4,159.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,952.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$499.00
Initial HOA (3 months)$17.01
Prepaid interest, first (10 days)$706.17
Fees + prepaids$12,551.86
Your down payment is the seller’s equity. You take over the $390,536 balance, so the rest of the $415,900 price is paid at closing. A second mortgage can cover part of it. $37,915.82 is due at closing. Uses and sources reconcile at $428,451.86 each. Not a Closing Disclosure.