Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,615Cash toward the purchase price.
Closing costs + prepaids$13,840Not just lender fees.
Before credits & paid funds$50,455The complete starting cash picture.
Estimated remaining funds due at closing
$50,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,614.60
Your down payment$36,614.60
Closing costs + prepaids$13,840.35
Total buyer cash needed$50,454.95
Remaining funds due$50,454.95
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,966.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$414.25
Prepaid interest, first (31 days)$1,941.17
Fees + prepaids$13,840.35
Your down payment is the seller’s equity. You take over the $393,385 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $50,454.95 is due at closing. Uses and sources reconcile at $443,840.35 each. Not a Closing Disclosure.