Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,628Cash toward the purchase price.
Closing costs + prepaids$14,042Not just lender fees.
Before credits & paid funds$50,670The complete starting cash picture.
Estimated remaining funds due at closing
$50,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,628.08
Your down payment$36,628.08
Closing costs + prepaids$14,042.07
Total buyer cash needed$50,670.15
Remaining funds due$50,670.15
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%)$1,916.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$578.00
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$1,965.71
Fees + prepaids$14,042.07
Your down payment is the seller’s equity. You take over the $383,272 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $50,670.15 is due at closing. Uses and sources reconcile at $433,942.07 each. Not a Closing Disclosure.