Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$33,636Cash toward the purchase price.
Closing costs + prepaids$13,774Not just lender fees.
Before credits & paid funds$47,410The complete starting cash picture.
Estimated remaining funds due at closing
$47,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,636.21
Your down payment$33,636.21
Closing costs + prepaids$13,773.62
Total buyer cash needed$47,409.83
Remaining funds due$47,409.83
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%)$4,289.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,976.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$446.75
Prepaid interest, first (28 days)$1,843.55
Fees + prepaids$13,773.62
Your down payment is the seller’s equity. You take over the $395,264 balance, so the rest of the $428,900 price is paid at closing. A second mortgage can cover part of it. $47,409.83 is due at closing. Uses and sources reconcile at $442,673.62 each. Not a Closing Disclosure.