Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,406Cash toward the purchase price.
Closing costs + prepaids$13,942Not just lender fees.
Before credits & paid funds$52,348The complete starting cash picture.
Estimated remaining funds due at closing
$52,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,406.23
Your down payment$38,406.23
Closing costs + prepaids$13,942.12
Total buyer cash needed$52,348.34
Remaining funds due$52,348.34
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%)$1,907.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$816.25
Initial HOA (3 months)$150.00
Prepaid interest, first (25 days)$1,651.40
Fees + prepaids$13,942.12
Your down payment is the seller’s equity. You take over the $381,494 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $52,348.34 is due at closing. Uses and sources reconcile at $433,842.12 each. Not a Closing Disclosure.