Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$32,503Cash toward the purchase price.
Closing costs + prepaids$12,050Not just lender fees.
Before credits & paid funds$44,553The complete starting cash picture.
Estimated remaining funds due at closing
$44,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,502.98
Your down payment$32,502.98
Closing costs + prepaids$12,049.95
Total buyer cash needed$44,552.93
Remaining funds due$44,552.93
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%)$1,887.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Prepaid interest, first (12 days)$352.47
Fees + prepaids$12,049.95
Your down payment is the seller’s equity. You take over the $377,497 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $44,552.93 is due at closing. Uses and sources reconcile at $422,049.95 each. Not a Closing Disclosure.