Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$37,816Cash toward the purchase price.
Closing costs + prepaids$12,542Not just lender fees.
Before credits & paid funds$50,358The complete starting cash picture.
Estimated remaining funds due at closing
$50,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,816.37
Your down payment$37,816.37
Closing costs + prepaids$12,542.06
Total buyer cash needed$50,358.43
Remaining funds due$50,358.43
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,910.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Initial HOA (3 months)$135.00
Prepaid interest, first (9 days)$575.64
Fees + prepaids$12,542.06
Your down payment is the seller’s equity. You take over the $382,084 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $50,358.43 is due at closing. Uses and sources reconcile at $432,442.06 each. Not a Closing Disclosure.