Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,754Cash toward the purchase price.
Closing costs + prepaids$14,055Not just lender fees.
Before credits & paid funds$42,809The complete starting cash picture.
Estimated remaining funds due at closing
$42,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,753.81
Your down payment$28,753.81
Closing costs + prepaids$14,055.20
Total buyer cash needed$42,809.01
Remaining funds due$42,809.01
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%)$4,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,941.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$467.25
Initial HOA (3 months)$159.00
Prepaid interest, first (30 days)$2,099.72
Fees + prepaids$14,055.20
Your down payment is the seller’s equity. You take over the $388,246 balance, so the rest of the $417,000 price is paid at closing. A second mortgage can cover part of it. $42,809.01 is due at closing. Uses and sources reconcile at $431,055.20 each. Not a Closing Disclosure.