Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$26,224Cash toward the purchase price.
Closing costs + prepaids$14,707Not just lender fees.
Before credits & paid funds$40,931The complete starting cash picture.
Estimated remaining funds due at closing
$40,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,223.84
Your down payment$26,223.84
Closing costs + prepaids$14,706.92
Total buyer cash needed$40,930.76
Remaining funds due$40,930.76
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,968.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$299.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (29 days)$1,971.04
Fees + prepaids$14,706.92
Your down payment is the seller’s equity. You take over the $393,776 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $40,930.76 is due at closing. Uses and sources reconcile at $434,706.92 each. Not a Closing Disclosure.