Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,811Cash toward the purchase price.
Closing costs + prepaids$13,817Not just lender fees.
Before credits & paid funds$48,628The complete starting cash picture.
Estimated remaining funds due at closing
$48,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,811.06
Your down payment$34,811.06
Closing costs + prepaids$13,817.33
Total buyer cash needed$48,628.39
Remaining funds due$48,628.39
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,925.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$546.00
Initial HOA (3 months)$138.00
Prepaid interest, first (27 days)$1,789.39
Fees + prepaids$13,817.33
Your down payment is the seller’s equity. You take over the $385,189 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $48,628.39 is due at closing. Uses and sources reconcile at $433,817.33 each. Not a Closing Disclosure.