Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$33,685Cash toward the purchase price.
Closing costs + prepaids$14,665Not just lender fees.
Before credits & paid funds$48,350The complete starting cash picture.
Estimated remaining funds due at closing
$48,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,684.68
Your down payment$33,684.68
Closing costs + prepaids$14,665.06
Total buyer cash needed$48,349.74
Remaining funds due$48,349.74
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%)$4,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,016.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,092.50
Initial HOA (3 months)$312.51
Prepaid interest, first (22 days)$1,655.47
Fees + prepaids$14,665.06
Your down payment is the seller’s equity. You take over the $403,315 balance, so the rest of the $437,000 price is paid at closing. A second mortgage can cover part of it. $48,349.74 is due at closing. Uses and sources reconcile at $451,665.06 each. Not a Closing Disclosure.