Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,022Cash toward the purchase price.
Closing costs + prepaids$13,016Not just lender fees.
Before credits & paid funds$48,038The complete starting cash picture.
Estimated remaining funds due at closing
$48,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,022.32
Your down payment$35,022.32
Closing costs + prepaids$13,016.00
Total buyer cash needed$48,038.32
Remaining funds due$48,038.32
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,899.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$556.25
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$1,056.86
Fees + prepaids$13,016.00
Your down payment is the seller’s equity. You take over the $379,978 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $48,038.32 is due at closing. Uses and sources reconcile at $428,016.00 each. Not a Closing Disclosure.