Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,333Cash toward the purchase price.
Closing costs + prepaids$15,193Not just lender fees.
Before credits & paid funds$51,526The complete starting cash picture.
Estimated remaining funds due at closing
$51,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,332.83
Your down payment$36,332.83
Closing costs + prepaids$15,193.43
Total buyer cash needed$51,526.26
Remaining funds due$51,526.26
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%)$4,149.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,893.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,457.75
Initial HOA (3 months)$825.00
Prepaid interest, first (30 days)$1,649.49
Fees + prepaids$15,193.43
Your down payment is the seller’s equity. You take over the $378,657 balance, so the rest of the $414,990 price is paid at closing. A second mortgage can cover part of it. $51,526.26 is due at closing. Uses and sources reconcile at $430,183.43 each. Not a Closing Disclosure.