Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$39,140Cash toward the purchase price.
Closing costs + prepaids$14,717Not just lender fees.
Before credits & paid funds$53,857The complete starting cash picture.
Estimated remaining funds due at closing
$53,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,140.21
Your down payment$39,140.21
Closing costs + prepaids$14,716.56
Total buyer cash needed$53,856.77
Remaining funds due$53,856.77
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%)$4,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,978.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$351.75
Initial HOA (3 months)$750.00
Prepaid interest, first (29 days)$2,069.01
Fees + prepaids$14,716.56
Your down payment is the seller’s equity. You take over the $395,760 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $53,856.77 is due at closing. Uses and sources reconcile at $449,616.56 each. Not a Closing Disclosure.