Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$20,136Cash toward the purchase price.
Closing costs + prepaids$12,482Not just lender fees.
Before credits & paid funds$32,618The complete starting cash picture.
Estimated remaining funds due at closing
$32,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,136.25
Your down payment$20,136.25
Closing costs + prepaids$12,481.63
Total buyer cash needed$32,617.88
Remaining funds due$32,617.88
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,899.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Initial HOA (3 months)$237.00
Prepaid interest, first (10 days)$647.33
Fees + prepaids$12,481.63
Your down payment is the seller’s equity. You take over the $379,863 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $32,617.88 is due at closing. Uses and sources reconcile at $412,480.63 each. Not a Closing Disclosure.