Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,576Cash toward the purchase price.
Closing costs + prepaids$13,330Not just lender fees.
Before credits & paid funds$46,906The complete starting cash picture.
Estimated remaining funds due at closing
$46,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,576.48
Your down payment$33,576.48
Closing costs + prepaids$13,329.70
Total buyer cash needed$46,906.18
Remaining funds due$46,906.18
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%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,957.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$666.25
Initial HOA (3 months)$315.00
Prepaid interest, first (30 days)$923.33
Fees + prepaids$13,329.70
Your down payment is the seller’s equity. You take over the $391,424 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $46,906.18 is due at closing. Uses and sources reconcile at $438,329.70 each. Not a Closing Disclosure.