Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,838Cash toward the purchase price.
Closing costs + prepaids$13,981Not just lender fees.
Before credits & paid funds$49,819The complete starting cash picture.
Estimated remaining funds due at closing
$49,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,838.23
Your down payment$35,838.23
Closing costs + prepaids$13,980.97
Total buyer cash needed$49,819.20
Remaining funds due$49,819.20
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,945.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$583.00
Initial HOA (3 months)$540.00
Prepaid interest, first (31 days)$1,445.66
Fees + prepaids$13,980.97
Your down payment is the seller’s equity. You take over the $389,062 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $49,819.20 is due at closing. Uses and sources reconcile at $438,880.97 each. Not a Closing Disclosure.