Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,649Cash toward the purchase price.
Closing costs + prepaids$13,622Not just lender fees.
Before credits & paid funds$37,271The complete starting cash picture.
Estimated remaining funds due at closing
$37,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,649.20
Your down payment$23,649.20
Closing costs + prepaids$13,622.30
Total buyer cash needed$37,271.49
Remaining funds due$37,271.49
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%)$1,981.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$634.50
Initial HOA (3 months)$36.24
Prepaid interest, first (28 days)$1,553.30
Fees + prepaids$13,622.30
Your down payment is the seller’s equity. You take over the $396,251 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $37,271.49 is due at closing. Uses and sources reconcile at $433,522.30 each. Not a Closing Disclosure.