Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$32,413Cash toward the purchase price.
Closing costs + prepaids$14,214Not just lender fees.
Before credits & paid funds$46,627The complete starting cash picture.
Estimated remaining funds due at closing
$46,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,412.58
Your down payment$32,412.58
Closing costs + prepaids$14,213.99
Total buyer cash needed$46,626.57
Remaining funds due$46,626.57
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,812.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.50
Initial HOA (3 months)$360.00
Prepaid interest, first (27 days)$1,885.55
Fees + prepaids$14,213.99
Your down payment is the seller’s equity. You take over the $362,587 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $46,626.57 is due at closing. Uses and sources reconcile at $409,213.99 each. Not a Closing Disclosure.