Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$51,185Cash toward the purchase price.
Closing costs + prepaids$12,859Not just lender fees.
Before credits & paid funds$64,044The complete starting cash picture.
Estimated remaining funds due at closing
$64,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,185.41
Your down payment$51,185.41
Closing costs + prepaids$12,858.87
Total buyer cash needed$64,044.28
Remaining funds due$64,044.28
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,889.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.25
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$900.54
Fees + prepaids$12,858.87
Your down payment is the seller’s equity. You take over the $377,815 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $64,044.28 is due at closing. Uses and sources reconcile at $441,858.87 each. Not a Closing Disclosure.