Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,923Cash toward the purchase price.
Closing costs + prepaids$14,257Not just lender fees.
Before credits & paid funds$58,180The complete starting cash picture.
Estimated remaining funds due at closing
$58,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,922.63
Your down payment$43,922.63
Closing costs + prepaids$14,257.12
Total buyer cash needed$58,179.76
Remaining funds due$58,179.76
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%)$4,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,905.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$2,103.75
Fees + prepaids$14,257.12
Your down payment is the seller’s equity. You take over the $381,076 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $58,179.76 is due at closing. Uses and sources reconcile at $439,256.12 each. Not a Closing Disclosure.