Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,139Cash toward the purchase price.
Closing costs + prepaids$14,204Not just lender fees.
Before credits & paid funds$42,343The complete starting cash picture.
Estimated remaining funds due at closing
$42,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,139.03
Your down payment$28,139.03
Closing costs + prepaids$14,203.51
Total buyer cash needed$42,342.54
Remaining funds due$42,342.54
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%)$4,169.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,943.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$299.25
Initial HOA (3 months)$282.00
Prepaid interest, first (31 days)$2,291.45
Fees + prepaids$14,203.51
Your down payment is the seller’s equity. You take over the $388,761 balance, so the rest of the $416,900 price is paid at closing. A second mortgage can cover part of it. $42,342.54 is due at closing. Uses and sources reconcile at $431,103.51 each. Not a Closing Disclosure.