Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,486Cash toward the purchase price.
Closing costs + prepaids$14,051Not just lender fees.
Before credits & paid funds$55,537The complete starting cash picture.
Estimated remaining funds due at closing
$55,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,486.26
Your down payment$41,486.26
Closing costs + prepaids$14,051.18
Total buyer cash needed$55,537.44
Remaining funds due$55,537.44
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,892.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$473.50
Initial HOA (3 months)$177.51
Prepaid interest, first (31 days)$2,089.60
Fees + prepaids$14,051.18
Your down payment is the seller’s equity. You take over the $378,514 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $55,537.44 is due at closing. Uses and sources reconcile at $434,051.18 each. Not a Closing Disclosure.