Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,314Cash toward the purchase price.
Closing costs + prepaids$15,811Not just lender fees.
Before credits & paid funds$50,125The complete starting cash picture.
Estimated remaining funds due at closing
$50,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,314.23
Your down payment$34,314.23
Closing costs + prepaids$15,811.04
Total buyer cash needed$50,125.27
Remaining funds due$50,125.27
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%)$1,973.43
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)$1,857.00
Prepaid interest, first (26 days)$1,400.11
Fees + prepaids$15,811.04
Your down payment is the seller’s equity. You take over the $394,686 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $50,125.27 is due at closing. Uses and sources reconcile at $444,811.04 each. Not a Closing Disclosure.