Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$43,550Cash toward the purchase price.
Closing costs + prepaids$13,615Not just lender fees.
Before credits & paid funds$57,165The complete starting cash picture.
Estimated remaining funds due at closing
$57,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,550.21
Your down payment$43,550.21
Closing costs + prepaids$13,615.08
Total buyer cash needed$57,165.29
Remaining funds due$57,165.29
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%)$1,881.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$774.50
Initial HOA (3 months)$12.51
Prepaid interest, first (24 days)$1,529.32
Fees + prepaids$13,615.08
Your down payment is the seller’s equity. You take over the $376,350 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $57,165.29 is due at closing. Uses and sources reconcile at $433,515.08 each. Not a Closing Disclosure.