Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$26,591Cash toward the purchase price.
Closing costs + prepaids$13,459Not just lender fees.
Before credits & paid funds$40,051The complete starting cash picture.
Estimated remaining funds due at closing
$40,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,591.36
Your down payment$26,591.36
Closing costs + prepaids$13,459.20
Total buyer cash needed$40,050.57
Remaining funds due$40,050.57
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,842.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.50
Initial HOA (3 months)$288.00
Prepaid interest, first (18 days)$1,173.66
Fees + prepaids$13,459.20
Your down payment is the seller’s equity. You take over the $368,409 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $40,050.57 is due at closing. Uses and sources reconcile at $408,459.20 each. Not a Closing Disclosure.