Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$33,414Cash toward the purchase price.
Closing costs + prepaids$12,846Not just lender fees.
Before credits & paid funds$46,260The complete starting cash picture.
Estimated remaining funds due at closing
$46,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,414.35
Your down payment$33,414.35
Closing costs + prepaids$12,845.54
Total buyer cash needed$46,259.89
Remaining funds due$46,259.89
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%)$3,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,762.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$428.00
Initial HOA (3 months)$225.00
Prepaid interest, first (22 days)$1,351.61
Fees + prepaids$12,845.54
Your down payment is the seller’s equity. You take over the $352,586 balance, so the rest of the $386,000 price is paid at closing. A second mortgage can cover part of it. $46,259.89 is due at closing. Uses and sources reconcile at $398,845.54 each. Not a Closing Disclosure.