Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,369Cash toward the purchase price.
Closing costs + prepaids$15,483Not just lender fees.
Before credits & paid funds$38,852The complete starting cash picture.
Estimated remaining funds due at closing
$38,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,369.13
Your down payment$23,369.13
Closing costs + prepaids$15,482.95
Total buyer cash needed$38,852.08
Remaining funds due$38,852.08
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,028.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,072.50
Initial HOA (3 months)$1,305.00
Prepaid interest, first (27 days)$1,569.29
Fees + prepaids$15,482.95
Your down payment is the seller’s equity. You take over the $405,631 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $38,852.08 is due at closing. Uses and sources reconcile at $444,482.95 each. Not a Closing Disclosure.