Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,020Cash toward the purchase price.
Closing costs + prepaids$14,702Not just lender fees.
Before credits & paid funds$52,722The complete starting cash picture.
Estimated remaining funds due at closing
$52,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,020.36
Your down payment$38,020.36
Closing costs + prepaids$14,702.13
Total buyer cash needed$52,722.49
Remaining funds due$52,722.49
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,904.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,319.25
Initial HOA (3 months)$219.99
Prepaid interest, first (28 days)$1,850.00
Fees + prepaids$14,702.13
Your down payment is the seller’s equity. You take over the $380,980 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $52,722.49 is due at closing. Uses and sources reconcile at $433,702.13 each. Not a Closing Disclosure.