Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$32,964Cash toward the purchase price.
Closing costs + prepaids$13,586Not just lender fees.
Before credits & paid funds$46,550The complete starting cash picture.
Estimated remaining funds due at closing
$46,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,964.00
Your down payment$32,964.00
Closing costs + prepaids$13,586.11
Total buyer cash needed$46,550.11
Remaining funds due$46,550.11
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,910.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.50
Initial HOA (3 months)$50.01
Prepaid interest, first (22 days)$1,220.42
Fees + prepaids$13,586.11
Your down payment is the seller’s equity. You take over the $382,036 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $46,550.11 is due at closing. Uses and sources reconcile at $428,586.11 each. Not a Closing Disclosure.