Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$43,538Cash toward the purchase price.
Closing costs + prepaids$13,600Not just lender fees.
Before credits & paid funds$57,138The complete starting cash picture.
Estimated remaining funds due at closing
$57,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,538.12
Your down payment$43,538.12
Closing costs + prepaids$13,600.29
Total buyer cash needed$57,138.41
Remaining funds due$57,138.41
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,882.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$740.50
Prepaid interest, first (24 days)$1,559.48
Fees + prepaids$13,600.29
Your down payment is the seller’s equity. You take over the $376,462 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $57,138.41 is due at closing. Uses and sources reconcile at $433,600.29 each. Not a Closing Disclosure.