Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$38,652Cash toward the purchase price.
Closing costs + prepaids$12,935Not just lender fees.
Before credits & paid funds$51,587The complete starting cash picture.
Estimated remaining funds due at closing
$51,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,652.43
Your down payment$38,652.43
Closing costs + prepaids$12,934.95
Total buyer cash needed$51,587.38
Remaining funds due$51,587.38
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%)$1,906.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Prepaid interest, first (17 days)$1,086.71
Fees + prepaids$12,934.95
Your down payment is the seller’s equity. You take over the $381,248 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $51,587.38 is due at closing. Uses and sources reconcile at $432,834.95 each. Not a Closing Disclosure.