Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,778Cash toward the purchase price.
Closing costs + prepaids$13,606Not just lender fees.
Before credits & paid funds$43,384The complete starting cash picture.
Estimated remaining funds due at closing
$43,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,778.19
Your down payment$29,778.19
Closing costs + prepaids$13,606.01
Total buyer cash needed$43,384.20
Remaining funds due$43,384.20
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,926.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$521.25
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$1,490.65
Fees + prepaids$13,606.01
Your down payment is the seller’s equity. You take over the $385,222 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $43,384.20 is due at closing. Uses and sources reconcile at $428,606.01 each. Not a Closing Disclosure.