Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,758Cash toward the purchase price.
Closing costs + prepaids$14,178Not just lender fees.
Before credits & paid funds$44,936The complete starting cash picture.
Estimated remaining funds due at closing
$44,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,758.00
Your down payment$30,758.00
Closing costs + prepaids$14,177.67
Total buyer cash needed$44,935.67
Remaining funds due$44,935.67
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,941.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$346.75
Initial HOA (3 months)$345.00
Prepaid interest, first (31 days)$2,136.71
Fees + prepaids$14,177.67
Your down payment is the seller’s equity. You take over the $388,242 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $44,935.67 is due at closing. Uses and sources reconcile at $433,177.67 each. Not a Closing Disclosure.