Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,450Cash toward the purchase price.
Closing costs + prepaids$15,142Not just lender fees.
Before credits & paid funds$48,592The complete starting cash picture.
Estimated remaining funds due at closing
$48,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,450.17
Your down payment$33,450.17
Closing costs + prepaids$15,142.33
Total buyer cash needed$48,592.50
Remaining funds due$48,592.50
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,007.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,154.00
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$2,247.58
Fees + prepaids$15,142.33
Your down payment is the seller’s equity. You take over the $401,550 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $48,592.50 is due at closing. Uses and sources reconcile at $450,142.33 each. Not a Closing Disclosure.