Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$17,692Cash toward the purchase price.
Closing costs + prepaids$12,791Not just lender fees.
Before credits & paid funds$30,483The complete starting cash picture.
Estimated remaining funds due at closing
$30,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,691.51
Your down payment$17,691.51
Closing costs + prepaids$12,791.27
Total buyer cash needed$30,482.78
Remaining funds due$30,482.78
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%)$1,961.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Initial HOA (3 months)$360.00
Prepaid interest, first (9 days)$659.72
Fees + prepaids$12,791.27
Your down payment is the seller’s equity. You take over the $392,308 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $30,482.78 is due at closing. Uses and sources reconcile at $422,791.27 each. Not a Closing Disclosure.