Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$394Cash toward the purchase price.
Closing costs + prepaids$13,270Not just lender fees.
Before credits & paid funds$13,664The complete starting cash picture.
Estimated remaining funds due at closing
$13,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393.78
Your down payment$393.78
Closing costs + prepaids$13,270.44
Total buyer cash needed$13,664.23
Remaining funds due$13,664.23
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%)$2,073.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$424.75
Prepaid interest, first (18 days)$1,404.66
Fees + prepaids$13,270.44
Your down payment is the seller’s equity. You take over the $414,606 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $13,664.23 is due at closing. Uses and sources reconcile at $428,270.44 each. Not a Closing Disclosure.