Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$35,838Cash toward the purchase price.
Closing costs + prepaids$13,375Not just lender fees.
Before credits & paid funds$49,213The complete starting cash picture.
Estimated remaining funds due at closing
$49,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,838.23
Your down payment$35,838.23
Closing costs + prepaids$13,374.72
Total buyer cash needed$49,212.95
Remaining funds due$49,212.95
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%)$1,945.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$583.00
Initial HOA (3 months)$540.00
Prepaid interest, first (18 days)$839.41
Fees + prepaids$13,374.72
Your down payment is the seller’s equity. You take over the $389,062 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $49,212.95 is due at closing. Uses and sources reconcile at $438,274.72 each. Not a Closing Disclosure.