Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$38,816Cash toward the purchase price.
Closing costs + prepaids$12,673Not just lender fees.
Before credits & paid funds$51,490The complete starting cash picture.
Estimated remaining funds due at closing
$51,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,816.45
Your down payment$38,816.45
Closing costs + prepaids$12,673.06
Total buyer cash needed$51,489.51
Remaining funds due$51,489.51
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%)$1,905.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Initial HOA (3 months)$300.00
Prepaid interest, first (10 days)$545.14
Fees + prepaids$12,673.06
Your down payment is the seller’s equity. You take over the $381,184 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $51,489.51 is due at closing. Uses and sources reconcile at $432,673.06 each. Not a Closing Disclosure.