Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$21,301Cash toward the purchase price.
Closing costs + prepaids$14,161Not just lender fees.
Before credits & paid funds$35,462The complete starting cash picture.
Estimated remaining funds due at closing
$35,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,300.97
Your down payment$21,300.97
Closing costs + prepaids$14,161.41
Total buyer cash needed$35,462.38
Remaining funds due$35,462.38
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%)$4,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,956.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$615.00
Initial HOA (3 months)$333.00
Prepaid interest, first (26 days)$1,914.41
Fees + prepaids$14,161.41
Your down payment is the seller’s equity. You take over the $391,199 balance, so the rest of the $412,500 price is paid at closing. A second mortgage can cover part of it. $35,462.38 is due at closing. Uses and sources reconcile at $426,661.41 each. Not a Closing Disclosure.