Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$28,432Cash toward the purchase price.
Closing costs + prepaids$13,138Not just lender fees.
Before credits & paid funds$41,570The complete starting cash picture.
Estimated remaining funds due at closing
$41,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,431.80
Your down payment$28,431.80
Closing costs + prepaids$13,138.19
Total buyer cash needed$41,569.99
Remaining funds due$41,569.99
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,982.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.00
Initial HOA (3 months)$450.00
Prepaid interest, first (10 days)$728.85
Fees + prepaids$13,138.19
Your down payment is the seller’s equity. You take over the $396,468 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $41,569.99 is due at closing. Uses and sources reconcile at $438,038.19 each. Not a Closing Disclosure.