Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$19,169Cash toward the purchase price.
Closing costs + prepaids$12,952Not just lender fees.
Before credits & paid funds$32,122The complete starting cash picture.
Estimated remaining funds due at closing
$32,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,169.30
Your down payment$19,169.30
Closing costs + prepaids$12,952.26
Total buyer cash needed$32,121.56
Remaining funds due$32,121.56
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%)$4,049.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,929.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$218.50
Initial HOA (3 months)$279.00
Prepaid interest, first (18 days)$1,257.69
Fees + prepaids$12,952.26
Your down payment is the seller’s equity. You take over the $385,826 balance, so the rest of the $404,995 price is paid at closing. A second mortgage can cover part of it. $32,121.56 is due at closing. Uses and sources reconcile at $417,947.26 each. Not a Closing Disclosure.