Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$36,047Cash toward the purchase price.
Closing costs + prepaids$14,379Not just lender fees.
Before credits & paid funds$50,425The complete starting cash picture.
Estimated remaining funds due at closing
$50,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,046.60
Your down payment$36,046.60
Closing costs + prepaids$14,378.78
Total buyer cash needed$50,425.38
Remaining funds due$50,425.38
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,794.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.25
Initial HOA (3 months)$1,200.00
Prepaid interest, first (27 days)$1,765.26
Fees + prepaids$14,378.78
Your down payment is the seller’s equity. You take over the $358,853 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $50,425.38 is due at closing. Uses and sources reconcile at $409,278.78 each. Not a Closing Disclosure.