Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$32,503Cash toward the purchase price.
Closing costs + prepaids$11,874Not just lender fees.
Before credits & paid funds$44,377The complete starting cash picture.
Estimated remaining funds due at closing
$44,377No 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$11,873.72
Total buyer cash needed$44,376.70
Remaining funds due$44,376.70
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 (6 days)$176.23
Fees + prepaids$11,873.72
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. $44,376.70 is due at closing. Uses and sources reconcile at $421,873.72 each. Not a Closing Disclosure.