Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,897Cash toward the purchase price.
Closing costs + prepaids$13,540Not just lender fees.
Before credits & paid funds$46,437The complete starting cash picture.
Estimated remaining funds due at closing
$46,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,897.17
Your down payment$32,897.17
Closing costs + prepaids$13,539.88
Total buyer cash needed$46,437.05
Remaining funds due$46,437.05
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,980.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$397.50
Prepaid interest, first (24 days)$1,653.86
Fees + prepaids$13,539.88
Your down payment is the seller’s equity. You take over the $396,103 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $46,437.05 is due at closing. Uses and sources reconcile at $442,539.88 each. Not a Closing Disclosure.