Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$39,123Cash toward the purchase price.
Closing costs + prepaids$12,838Not just lender fees.
Before credits & paid funds$51,961The complete starting cash picture.
Estimated remaining funds due at closing
$51,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,122.61
Your down payment$39,122.61
Closing costs + prepaids$12,838.44
Total buyer cash needed$51,961.05
Remaining funds due$51,961.05
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%)$4,149.29
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,879.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.75
Prepaid interest, first (15 days)$1,073.36
Fees + prepaids$12,838.44
Your down payment is the seller’s equity. You take over the $375,806 balance, so the rest of the $414,929 price is paid at closing. A second mortgage can cover part of it. $51,961.05 is due at closing. Uses and sources reconcile at $427,767.44 each. Not a Closing Disclosure.