Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,039Cash toward the purchase price.
Closing costs + prepaids$15,621Not just lender fees.
Before credits & paid funds$52,660The complete starting cash picture.
Estimated remaining funds due at closing
$52,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,038.51
Your down payment$37,038.51
Closing costs + prepaids$15,621.27
Total buyer cash needed$52,659.79
Remaining funds due$52,659.79
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,989.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,698.50
Initial HOA (3 months)$168.00
Prepaid interest, first (31 days)$2,196.97
Fees + prepaids$15,621.27
Your down payment is the seller’s equity. You take over the $397,961 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $52,659.79 is due at closing. Uses and sources reconcile at $450,621.27 each. Not a Closing Disclosure.