Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,102Cash toward the purchase price.
Closing costs + prepaids$13,192Not just lender fees.
Before credits & paid funds$42,294The complete starting cash picture.
Estimated remaining funds due at closing
$42,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,102.08
Your down payment$29,102.08
Closing costs + prepaids$13,191.52
Total buyer cash needed$42,293.59
Remaining funds due$42,293.59
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%)$3,949.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,829.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$612.75
Initial HOA (3 months)$483.00
Prepaid interest, first (22 days)$1,098.29
Fees + prepaids$13,191.52
Your down payment is the seller’s equity. You take over the $365,897 balance, so the rest of the $394,999 price is paid at closing. A second mortgage can cover part of it. $42,293.59 is due at closing. Uses and sources reconcile at $408,190.52 each. Not a Closing Disclosure.