Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$33,961Cash toward the purchase price.
Closing costs + prepaids$13,774Not just lender fees.
Before credits & paid funds$47,735The complete starting cash picture.
Estimated remaining funds due at closing
$47,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,960.67
Your down payment$33,960.67
Closing costs + prepaids$13,774.15
Total buyer cash needed$47,734.82
Remaining funds due$47,734.82
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,929.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$502.00
Initial HOA (3 months)$120.00
Prepaid interest, first (25 days)$1,805.46
Fees + prepaids$13,774.15
Your down payment is the seller’s equity. You take over the $385,939 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $47,734.82 is due at closing. Uses and sources reconcile at $433,674.15 each. Not a Closing Disclosure.