Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$50,393Cash toward the purchase price.
Closing costs + prepaids$12,905Not just lender fees.
Before credits & paid funds$63,298The complete starting cash picture.
Estimated remaining funds due at closing
$63,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,392.71
Your down payment$50,392.71
Closing costs + prepaids$12,905.40
Total buyer cash needed$63,298.10
Remaining funds due$63,298.10
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%)$1,798.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$69.25
Initial HOA (3 months)$327.00
Prepaid interest, first (20 days)$1,393.11
Fees + prepaids$12,905.40
Your down payment is the seller’s equity. You take over the $359,607 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $63,298.10 is due at closing. Uses and sources reconcile at $422,905.40 each. Not a Closing Disclosure.