Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,692Cash toward the purchase price.
Closing costs + prepaids$14,369Not just lender fees.
Before credits & paid funds$37,061The complete starting cash picture.
Estimated remaining funds due at closing
$37,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,691.51
Your down payment$22,691.51
Closing costs + prepaids$14,369.17
Total buyer cash needed$37,060.68
Remaining funds due$37,060.68
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%)$4,150.00
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)$407.25
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$2,272.38
Fees + prepaids$14,369.17
Your down payment is the seller’s equity. You take over the $392,308 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $37,060.68 is due at closing. Uses and sources reconcile at $429,369.17 each. Not a Closing Disclosure.