Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$19,372Cash toward the purchase price.
Closing costs + prepaids$13,284Not just lender fees.
Before credits & paid funds$32,656The complete starting cash picture.
Estimated remaining funds due at closing
$32,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,371.80
Your down payment$19,371.80
Closing costs + prepaids$13,284.11
Total buyer cash needed$32,655.91
Remaining funds due$32,655.91
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,877.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$493.75
Initial HOA (3 months)$600.00
Prepaid interest, first (16 days)$1,145.72
Fees + prepaids$13,284.11
Your down payment is the seller’s equity. You take over the $375,528 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $32,655.91 is due at closing. Uses and sources reconcile at $408,184.11 each. Not a Closing Disclosure.