Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,512Cash toward the purchase price.
Closing costs + prepaids$13,335Not just lender fees.
Before credits & paid funds$36,847The complete starting cash picture.
Estimated remaining funds due at closing
$36,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,511.88
Your down payment$23,511.88
Closing costs + prepaids$13,334.83
Total buyer cash needed$36,846.71
Remaining funds due$36,846.71
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,981.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$115.00
Prepaid interest, first (27 days)$1,820.89
Fees + prepaids$13,334.83
Your down payment is the seller’s equity. You take over the $396,388 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $36,846.71 is due at closing. Uses and sources reconcile at $433,234.83 each. Not a Closing Disclosure.