Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,309Cash toward the purchase price.
Closing costs + prepaids$12,660Not just lender fees.
Before credits & paid funds$56,968The complete starting cash picture.
Estimated remaining funds due at closing
$56,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,308.92
Your down payment$44,308.92
Closing costs + prepaids$12,659.58
Total buyer cash needed$56,968.50
Remaining funds due$56,968.50
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,852.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$430.75
Initial HOA (3 months)$255.00
Prepaid interest, first (25 days)$753.87
Fees + prepaids$12,659.58
Your down payment is the seller’s equity. You take over the $370,591 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $56,968.50 is due at closing. Uses and sources reconcile at $427,559.58 each. Not a Closing Disclosure.