Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,351Cash toward the purchase price.
Closing costs + prepaids$13,959Not just lender fees.
Before credits & paid funds$38,309The complete starting cash picture.
Estimated remaining funds due at closing
$38,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,350.55
Your down payment$24,350.55
Closing costs + prepaids$13,958.86
Total buyer cash needed$38,309.41
Remaining funds due$38,309.41
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%)$4,195.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,975.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$755.25
Initial HOA (3 months)$50.01
Prepaid interest, first (26 days)$1,764.86
Fees + prepaids$13,958.86
Your down payment is the seller’s equity. You take over the $395,149 balance, so the rest of the $419,500 price is paid at closing. A second mortgage can cover part of it. $38,309.41 is due at closing. Uses and sources reconcile at $433,458.86 each. Not a Closing Disclosure.