Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$42,134Cash toward the purchase price.
Closing costs + prepaids$13,369Not just lender fees.
Before credits & paid funds$55,503The complete starting cash picture.
Estimated remaining funds due at closing
$55,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,134.40
Your down payment$42,134.40
Closing costs + prepaids$13,368.91
Total buyer cash needed$55,503.31
Remaining funds due$55,503.31
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,888.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$551.50
Prepaid interest, first (23 days)$1,511.58
Fees + prepaids$13,368.91
Your down payment is the seller’s equity. You take over the $377,766 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $55,503.31 is due at closing. Uses and sources reconcile at $433,268.91 each. Not a Closing Disclosure.