Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,659Cash toward the purchase price.
Closing costs + prepaids$13,262Not just lender fees.
Before credits & paid funds$51,921The complete starting cash picture.
Estimated remaining funds due at closing
$51,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,659.24
Your down payment$38,659.24
Closing costs + prepaids$13,262.24
Total buyer cash needed$51,921.47
Remaining funds due$51,921.47
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,831.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$26.25
Initial HOA (3 months)$420.00
Prepaid interest, first (30 days)$1,716.28
Fees + prepaids$13,262.24
Your down payment is the seller’s equity. You take over the $366,341 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $51,921.47 is due at closing. Uses and sources reconcile at $418,262.24 each. Not a Closing Disclosure.