Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$25,334Cash toward the purchase price.
Closing costs + prepaids$14,601Not just lender fees.
Before credits & paid funds$39,935The complete starting cash picture.
Estimated remaining funds due at closing
$39,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,334.13
Your down payment$25,334.13
Closing costs + prepaids$14,600.60
Total buyer cash needed$39,934.73
Remaining funds due$39,934.73
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,048.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,087.50
Initial HOA (3 months)$87.51
Prepaid interest, first (26 days)$1,809.26
Fees + prepaids$14,600.60
Your down payment is the seller’s equity. You take over the $409,666 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $39,934.73 is due at closing. Uses and sources reconcile at $449,600.60 each. Not a Closing Disclosure.