Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$31,986Cash toward the purchase price.
Closing costs + prepaids$14,580Not just lender fees.
Before credits & paid funds$46,566The complete starting cash picture.
Estimated remaining funds due at closing
$46,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,985.77
Your down payment$31,985.77
Closing costs + prepaids$14,580.41
Total buyer cash needed$46,566.17
Remaining funds due$46,566.17
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%)$1,915.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$865.25
Initial HOA (3 months)$168.00
Prepaid interest, first (29 days)$2,264.09
Fees + prepaids$14,580.41
Your down payment is the seller’s equity. You take over the $383,014 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $46,566.17 is due at closing. Uses and sources reconcile at $429,580.41 each. Not a Closing Disclosure.