Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,307Cash toward the purchase price.
Closing costs + prepaids$14,825Not just lender fees.
Before credits & paid funds$43,132The complete starting cash picture.
Estimated remaining funds due at closing
$43,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,306.56
Your down payment$28,306.56
Closing costs + prepaids$14,825.16
Total buyer cash needed$43,131.72
Remaining funds due$43,131.72
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,957.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$803.00
Initial HOA (3 months)$465.00
Prepaid interest, first (30 days)$2,182.19
Fees + prepaids$14,825.16
Your down payment is the seller’s equity. You take over the $391,593 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $43,131.72 is due at closing. Uses and sources reconcile at $434,725.16 each. Not a Closing Disclosure.