Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,211Cash toward the purchase price.
Closing costs + prepaids$13,347Not just lender fees.
Before credits & paid funds$45,558The complete starting cash picture.
Estimated remaining funds due at closing
$45,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,211.25
Your down payment$32,211.25
Closing costs + prepaids$13,346.53
Total buyer cash needed$45,557.78
Remaining funds due$45,557.78
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,863.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$625.00
Initial HOA (3 months)$82.50
Prepaid interest, first (28 days)$1,507.09
Fees + prepaids$13,346.53
Your down payment is the seller’s equity. You take over the $372,789 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $45,557.78 is due at closing. Uses and sources reconcile at $418,346.53 each. Not a Closing Disclosure.