Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$392,873Cash toward the purchase price.
Closing costs + prepaids$10,289Not just lender fees.
Before credits & paid funds$403,162The complete starting cash picture.
Estimated remaining funds due at closing
$403,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,872.97
Your down payment$392,872.97
Closing costs + prepaids$10,289.10
Total buyer cash needed$403,162.07
Remaining funds due$403,162.07
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%)$4,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$155.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.00
Initial HOA (3 months)$229.26
Prepaid interest, first (18 days)$46.20
Fees + prepaids$10,289.10
Your down payment is the seller’s equity. You take over the $31,127 balance, so the rest of the $424,000 price is paid at closing. A second mortgage can cover part of it. $403,162.07 is due at closing. Uses and sources reconcile at $434,289.10 each. Not a Closing Disclosure.