Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$7,154Cash toward the purchase price.
Closing costs + prepaids$12,339Not just lender fees.
Before credits & paid funds$19,494The complete starting cash picture.
Estimated remaining funds due at closing
$19,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,154.21
Your down payment$7,154.21
Closing costs + prepaids$12,339.40
Total buyer cash needed$19,493.61
Remaining funds due$19,493.61
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,038.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.00
Prepaid interest, first (6 days)$435.67
Fees + prepaids$12,339.40
Your down payment is the seller’s equity. You take over the $407,746 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $19,493.61 is due at closing. Uses and sources reconcile at $427,239.40 each. Not a Closing Disclosure.