Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,320Cash toward the purchase price.
Closing costs + prepaids$14,406Not just lender fees.
Before credits & paid funds$45,726The complete starting cash picture.
Estimated remaining funds due at closing
$45,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,319.66
Your down payment$31,319.66
Closing costs + prepaids$14,406.02
Total buyer cash needed$45,725.67
Remaining funds due$45,725.67
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%)$4,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,913.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.00
Initial HOA (3 months)$327.00
Prepaid interest, first (31 days)$2,307.61
Fees + prepaids$14,406.02
Your down payment is the seller’s equity. You take over the $382,680 balance, so the rest of the $414,000 price is paid at closing. A second mortgage can cover part of it. $45,725.67 is due at closing. Uses and sources reconcile at $428,406.02 each. Not a Closing Disclosure.