Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$22,764Cash toward the purchase price.
Closing costs + prepaids$12,728Not just lender fees.
Before credits & paid funds$35,492The complete starting cash picture.
Estimated remaining funds due at closing
$35,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,764.49
Your down payment$22,764.49
Closing costs + prepaids$12,727.63
Total buyer cash needed$35,492.12
Remaining funds due$35,492.12
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%)$1,936.18
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)$378.00
Prepaid interest, first (9 days)$603.45
Fees + prepaids$12,727.63
Your down payment is the seller’s equity. You take over the $387,236 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $35,492.12 is due at closing. Uses and sources reconcile at $422,727.63 each. Not a Closing Disclosure.