Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,410Cash toward the purchase price.
Closing costs + prepaids$13,717Not just lender fees.
Before credits & paid funds$50,126The complete starting cash picture.
Estimated remaining funds due at closing
$50,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,409.68
Your down payment$36,409.68
Closing costs + prepaids$13,716.54
Total buyer cash needed$50,126.22
Remaining funds due$50,126.22
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,962.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$718.25
Prepaid interest, first (25 days)$1,527.34
Fees + prepaids$13,716.54
Your down payment is the seller’s equity. You take over the $392,590 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $50,126.22 is due at closing. Uses and sources reconcile at $442,716.54 each. Not a Closing Disclosure.