Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$38,927Cash toward the purchase price.
Closing costs + prepaids$12,625Not just lender fees.
Before credits & paid funds$51,552The complete starting cash picture.
Estimated remaining funds due at closing
$51,552No 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$12,624.53
Total buyer cash needed$51,551.51
Remaining funds due$51,551.51
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 (9 days)$385.66
Fees + prepaids$12,624.53
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. $51,551.51 is due at closing. Uses and sources reconcile at $427,524.53 each. Not a Closing Disclosure.