Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$36,638Cash toward the purchase price.
Closing costs + prepaids$12,676Not just lender fees.
Before credits & paid funds$49,314The complete starting cash picture.
Estimated remaining funds due at closing
$49,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,638.41
Your down payment$36,638.41
Closing costs + prepaids$12,675.50
Total buyer cash needed$49,313.92
Remaining funds due$49,313.92
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,966.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.00
Prepaid interest, first (12 days)$676.19
Fees + prepaids$12,675.50
Your down payment is the seller’s equity. You take over the $393,262 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $49,313.92 is due at closing. Uses and sources reconcile at $442,575.50 each. Not a Closing Disclosure.