Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$33,352Cash toward the purchase price.
Closing costs + prepaids$14,396Not just lender fees.
Before credits & paid funds$47,748The complete starting cash picture.
Estimated remaining funds due at closing
$47,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,351.91
Your down payment$33,351.91
Closing costs + prepaids$14,396.17
Total buyer cash needed$47,748.07
Remaining funds due$47,748.07
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,083.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$709.50
Initial HOA (3 months)$150.00
Prepaid interest, first (23 days)$1,735.42
Fees + prepaids$14,396.17
Your down payment is the seller’s equity. You take over the $416,648 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $47,748.07 is due at closing. Uses and sources reconcile at $464,396.17 each. Not a Closing Disclosure.