Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$33,595Cash toward the purchase price.
Closing costs + prepaids$14,153Not just lender fees.
Before credits & paid funds$47,747The complete starting cash picture.
Estimated remaining funds due at closing
$47,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,594.69
Your down payment$33,594.69
Closing costs + prepaids$14,152.79
Total buyer cash needed$47,747.48
Remaining funds due$47,747.48
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,057.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$364.75
Initial HOA (3 months)$210.00
Prepaid interest, first (24 days)$1,853.01
Fees + prepaids$14,152.79
Your down payment is the seller’s equity. You take over the $411,405 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $47,747.48 is due at closing. Uses and sources reconcile at $459,152.79 each. Not a Closing Disclosure.