Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$33,944Cash toward the purchase price.
Closing costs + prepaids$14,215Not just lender fees.
Before credits & paid funds$48,160The complete starting cash picture.
Estimated remaining funds due at closing
$48,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,944.29
Your down payment$33,944.29
Closing costs + prepaids$14,215.26
Total buyer cash needed$48,159.55
Remaining funds due$48,159.55
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%)$1,905.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.50
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$1,829.49
Fees + prepaids$14,215.26
Your down payment is the seller’s equity. You take over the $381,056 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $48,159.55 is due at closing. Uses and sources reconcile at $429,215.26 each. Not a Closing Disclosure.