Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$16,012Cash toward the purchase price.
Closing costs + prepaids$13,882Not just lender fees.
Before credits & paid funds$29,894The complete starting cash picture.
Estimated remaining funds due at closing
$29,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,011.61
Your down payment$16,011.61
Closing costs + prepaids$13,882.41
Total buyer cash needed$29,894.02
Remaining funds due$29,894.02
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,969.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$494.25
Initial HOA (3 months)$276.00
Prepaid interest, first (26 days)$1,824.22
Fees + prepaids$13,882.41
Your down payment is the seller’s equity. You take over the $393,988 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $29,894.02 is due at closing. Uses and sources reconcile at $423,882.41 each. Not a Closing Disclosure.