Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,042Cash toward the purchase price.
Closing costs + prepaids$13,975Not just lender fees.
Before credits & paid funds$42,018The complete starting cash picture.
Estimated remaining funds due at closing
$42,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,042.14
Your down payment$28,042.14
Closing costs + prepaids$13,975.42
Total buyer cash needed$42,017.56
Remaining funds due$42,017.56
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,734.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.25
Initial HOA (3 months)$1,566.00
Prepaid interest, first (26 days)$770.88
Fees + prepaids$13,975.42
Your down payment is the seller’s equity. You take over the $346,858 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $42,017.56 is due at closing. Uses and sources reconcile at $388,875.42 each. Not a Closing Disclosure.