Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$43,091Cash toward the purchase price.
Closing costs + prepaids$13,336Not just lender fees.
Before credits & paid funds$56,427The complete starting cash picture.
Estimated remaining funds due at closing
$56,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,090.84
Your down payment$43,090.84
Closing costs + prepaids$13,335.94
Total buyer cash needed$56,426.78
Remaining funds due$56,426.78
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%)$3,960.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,764.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$667.75
Initial HOA (3 months)$21.24
Prepaid interest, first (26 days)$1,704.41
Fees + prepaids$13,335.94
Your down payment is the seller’s equity. You take over the $352,909 balance, so the rest of the $396,000 price is paid at closing. A second mortgage can cover part of it. $56,426.78 is due at closing. Uses and sources reconcile at $409,335.94 each. Not a Closing Disclosure.