Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$41,801Cash toward the purchase price.
Closing costs + prepaids$13,881Not just lender fees.
Before credits & paid funds$55,682The complete starting cash picture.
Estimated remaining funds due at closing
$55,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,800.87
Your down payment$41,800.87
Closing costs + prepaids$13,881.07
Total buyer cash needed$55,681.95
Remaining funds due$55,681.95
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,886.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$706.25
Prepaid interest, first (28 days)$1,880.83
Fees + prepaids$13,881.07
Your down payment is the seller’s equity. You take over the $377,199 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $55,681.95 is due at closing. Uses and sources reconcile at $432,881.07 each. Not a Closing Disclosure.