Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,984Cash toward the purchase price.
Closing costs + prepaids$13,721Not just lender fees.
Before credits & paid funds$51,706The complete starting cash picture.
Estimated remaining funds due at closing
$51,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,984.41
Your down payment$37,984.41
Closing costs + prepaids$13,721.19
Total buyer cash needed$51,705.60
Remaining funds due$51,705.60
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,005.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$586.75
Initial HOA (3 months)$660.00
Prepaid interest, first (28 days)$861.36
Fees + prepaids$13,721.19
Your down payment is the seller’s equity. You take over the $401,016 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $51,705.60 is due at closing. Uses and sources reconcile at $452,721.19 each. Not a Closing Disclosure.