Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$28,432Cash toward the purchase price.
Closing costs + prepaids$13,065Not just lender fees.
Before credits & paid funds$41,497The complete starting cash picture.
Estimated remaining funds due at closing
$41,497No 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$13,065.31
Total buyer cash needed$41,497.11
Remaining funds due$41,497.11
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 (9 days)$655.96
Fees + prepaids$13,065.31
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. $41,497.11 is due at closing. Uses and sources reconcile at $437,965.31 each. Not a Closing Disclosure.