Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$41,658Cash toward the purchase price.
Closing costs + prepaids$13,519Not just lender fees.
Before credits & paid funds$55,177The complete starting cash picture.
Estimated remaining funds due at closing
$55,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,657.71
Your down payment$41,657.71
Closing costs + prepaids$13,519.03
Total buyer cash needed$55,176.74
Remaining funds due$55,176.74
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%)$3,845.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,714.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$961.25
Initial HOA (3 months)$50.01
Prepaid interest, first (28 days)$1,730.56
Fees + prepaids$13,519.03
Your down payment is the seller’s equity. You take over the $342,842 balance, so the rest of the $384,500 price is paid at closing. A second mortgage can cover part of it. $55,176.74 is due at closing. Uses and sources reconcile at $398,019.03 each. Not a Closing Disclosure.