Follow the dollars · Assumption only
A complete cash picture for Dec 21, 2026
Your down payment$4,859Cash toward the purchase price.
Closing costs + prepaids$12,591Not just lender fees.
Before credits & paid funds$17,450The complete starting cash picture.
Estimated remaining funds due at closing
$17,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,858.87
Your down payment$4,858.87
Closing costs + prepaids$12,591.49
Total buyer cash needed$17,450.36
Remaining funds due$17,450.36
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%)$2,025.71
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 (11 days)$755.78
Fees + prepaids$12,591.49
Your down payment is the seller’s equity. You take over the $405,141 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $17,450.36 is due at closing. Uses and sources reconcile at $422,591.49 each. Not a Closing Disclosure.