Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$35,420Cash toward the purchase price.
Closing costs + prepaids$12,650Not just lender fees.
Before credits & paid funds$48,070The complete starting cash picture.
Estimated remaining funds due at closing
$48,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,419.91
Your down payment$35,419.91
Closing costs + prepaids$12,650.10
Total buyer cash needed$48,070.01
Remaining funds due$48,070.01
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%)$4,159.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,902.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$395.00
Prepaid interest, first (15 days)$975.70
Fees + prepaids$12,650.10
Your down payment is the seller’s equity. You take over the $380,480 balance, so the rest of the $415,900 price is paid at closing. A second mortgage can cover part of it. $48,070.01 is due at closing. Uses and sources reconcile at $428,550.10 each. Not a Closing Disclosure.