Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$39,636Cash toward the purchase price.
Closing costs + prepaids$13,344Not just lender fees.
Before credits & paid funds$52,979The complete starting cash picture.
Estimated remaining funds due at closing
$52,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,635.73
Your down payment$39,635.73
Closing costs + prepaids$13,343.61
Total buyer cash needed$52,979.34
Remaining funds due$52,979.34
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,926.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$242.50
Initial HOA (3 months)$137.49
Prepaid interest, first (27 days)$1,570.29
Fees + prepaids$13,343.61
Your down payment is the seller’s equity. You take over the $385,264 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $52,979.34 is due at closing. Uses and sources reconcile at $438,243.61 each. Not a Closing Disclosure.