Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$39,260Cash toward the purchase price.
Closing costs + prepaids$13,549Not just lender fees.
Before credits & paid funds$52,809The complete starting cash picture.
Estimated remaining funds due at closing
$52,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,260.11
Your down payment$39,260.11
Closing costs + prepaids$13,548.98
Total buyer cash needed$52,809.08
Remaining funds due$52,809.08
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%)$4,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,923.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$159.25
Prepaid interest, first (30 days)$2,008.03
Fees + prepaids$13,548.98
Your down payment is the seller’s equity. You take over the $384,740 balance, so the rest of the $424,000 price is paid at closing. A second mortgage can cover part of it. $52,809.08 is due at closing. Uses and sources reconcile at $437,548.98 each. Not a Closing Disclosure.