Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,209Cash toward the purchase price.
Closing costs + prepaids$13,297Not just lender fees.
Before credits & paid funds$46,507The complete starting cash picture.
Estimated remaining funds due at closing
$46,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,209.35
Your down payment$33,209.35
Closing costs + prepaids$13,297.23
Total buyer cash needed$46,506.58
Remaining funds due$46,506.58
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,833.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$310.00
Initial HOA (3 months)$30.00
Prepaid interest, first (30 days)$1,905.30
Fees + prepaids$13,297.23
Your down payment is the seller’s equity. You take over the $366,790 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $46,506.58 is due at closing. Uses and sources reconcile at $413,296.23 each. Not a Closing Disclosure.