Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$33,808Cash toward the purchase price.
Closing costs + prepaids$13,099Not just lender fees.
Before credits & paid funds$46,908The complete starting cash picture.
Estimated remaining funds due at closing
$46,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,808.29
Your down payment$33,808.29
Closing costs + prepaids$13,099.24
Total buyer cash needed$46,907.53
Remaining funds due$46,907.53
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%)$4,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,993.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.75
Initial HOA (3 months)$75.00
Prepaid interest, first (17 days)$947.03
Fees + prepaids$13,099.24
Your down payment is the seller’s equity. You take over the $398,692 balance, so the rest of the $432,500 price is paid at closing. A second mortgage can cover part of it. $46,907.53 is due at closing. Uses and sources reconcile at $445,599.24 each. Not a Closing Disclosure.