Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$35,911Cash toward the purchase price.
Closing costs + prepaids$13,798Not just lender fees.
Before credits & paid funds$49,709The complete starting cash picture.
Estimated remaining funds due at closing
$49,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,910.76
Your down payment$35,910.76
Closing costs + prepaids$13,798.24
Total buyer cash needed$49,709.00
Remaining funds due$49,709.00
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%)$4,345.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,992.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$371.00
Prepaid interest, first (28 days)$1,871.29
Fees + prepaids$13,798.24
Your down payment is the seller’s equity. You take over the $398,589 balance, so the rest of the $434,500 price is paid at closing. A second mortgage can cover part of it. $49,709.00 is due at closing. Uses and sources reconcile at $448,298.24 each. Not a Closing Disclosure.