Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$36,301Cash toward the purchase price.
Closing costs + prepaids$15,011Not just lender fees.
Before credits & paid funds$51,312The complete starting cash picture.
Estimated remaining funds due at closing
$51,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,300.83
Your down payment$36,300.83
Closing costs + prepaids$15,010.85
Total buyer cash needed$51,311.67
Remaining funds due$51,311.67
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%)$1,918.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,049.75
Initial HOA (3 months)$642.00
Prepaid interest, first (29 days)$1,984.10
Fees + prepaids$15,010.85
Your down payment is the seller’s equity. You take over the $383,599 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $51,311.67 is due at closing. Uses and sources reconcile at $434,910.85 each. Not a Closing Disclosure.