Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$41,144Cash toward the purchase price.
Closing costs + prepaids$12,903Not just lender fees.
Before credits & paid funds$54,047The complete starting cash picture.
Estimated remaining funds due at closing
$54,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,143.88
Your down payment$41,143.88
Closing costs + prepaids$12,902.80
Total buyer cash needed$54,046.68
Remaining funds due$54,046.68
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%)$4,249.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,919.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$81.24
Prepaid interest, first (22 days)$1,434.43
Fees + prepaids$12,902.80
Your down payment is the seller’s equity. You take over the $383,846 balance, so the rest of the $424,990 price is paid at closing. A second mortgage can cover part of it. $54,046.68 is due at closing. Uses and sources reconcile at $437,892.80 each. Not a Closing Disclosure.