Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$14,689Cash toward the purchase price.
Closing costs + prepaids$13,518Not just lender fees.
Before credits & paid funds$28,207The complete starting cash picture.
Estimated remaining funds due at closing
$28,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,688.57
Your down payment$14,688.57
Closing costs + prepaids$13,518.22
Total buyer cash needed$28,206.79
Remaining funds due$28,206.79
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%)$3,948.97
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,901.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$773.25
Initial HOA (3 months)$438.00
Prepaid interest, first (19 days)$1,238.96
Fees + prepaids$13,518.22
Your down payment is the seller’s equity. You take over the $380,208 balance, so the rest of the $394,897 price is paid at closing. A second mortgage can cover part of it. $28,206.79 is due at closing. Uses and sources reconcile at $408,415.22 each. Not a Closing Disclosure.