Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$38,927Cash toward the purchase price.
Closing costs + prepaids$12,667Not just lender fees.
Before credits & paid funds$51,594The complete starting cash picture.
Estimated remaining funds due at closing
$51,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,926.98
Your down payment$38,926.98
Closing costs + prepaids$12,667.38
Total buyer cash needed$51,594.36
Remaining funds due$51,594.36
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,879.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.00
Initial HOA (3 months)$494.01
Prepaid interest, first (10 days)$428.51
Fees + prepaids$12,667.38
Your down payment is the seller’s equity. You take over the $375,973 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $51,594.36 is due at closing. Uses and sources reconcile at $427,567.38 each. Not a Closing Disclosure.