Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$33,360Cash toward the purchase price.
Closing costs + prepaids$13,839Not just lender fees.
Before credits & paid funds$47,199The complete starting cash picture.
Estimated remaining funds due at closing
$47,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,360.41
Your down payment$33,360.41
Closing costs + prepaids$13,838.51
Total buyer cash needed$47,198.92
Remaining funds due$47,198.92
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%)$3,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,793.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,211.00
Prepaid interest, first (26 days)$1,696.32
Fees + prepaids$13,838.51
Your down payment is the seller’s equity. You take over the $358,640 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $47,198.92 is due at closing. Uses and sources reconcile at $405,838.51 each. Not a Closing Disclosure.