Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$41,424Cash toward the purchase price.
Closing costs + prepaids$13,237Not just lender fees.
Before credits & paid funds$54,660The complete starting cash picture.
Estimated remaining funds due at closing
$54,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,423.64
Your down payment$41,423.64
Closing costs + prepaids$13,236.69
Total buyer cash needed$54,660.33
Remaining funds due$54,660.33
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,942.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,074.75
Prepaid interest, first (23 days)$702.56
Fees + prepaids$13,236.69
Your down payment is the seller’s equity. You take over the $388,476 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $54,660.33 is due at closing. Uses and sources reconcile at $443,136.69 each. Not a Closing Disclosure.