Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,788Cash toward the purchase price.
Closing costs + prepaids$14,341Not just lender fees.
Before credits & paid funds$49,128The complete starting cash picture.
Estimated remaining funds due at closing
$49,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,787.83
Your down payment$34,787.83
Closing costs + prepaids$14,340.64
Total buyer cash needed$49,128.47
Remaining funds due$49,128.47
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%)$1,950.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$801.00
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$2,002.08
Fees + prepaids$14,340.64
Your down payment is the seller’s equity. You take over the $390,112 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $49,128.47 is due at closing. Uses and sources reconcile at $439,240.64 each. Not a Closing Disclosure.