Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$33,550Cash toward the purchase price.
Closing costs + prepaids$13,005Not just lender fees.
Before credits & paid funds$46,554The complete starting cash picture.
Estimated remaining funds due at closing
$46,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,549.69
Your down payment$33,549.69
Closing costs + prepaids$13,004.59
Total buyer cash needed$46,554.27
Remaining funds due$46,554.27
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%)$4,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$256.25
Prepaid interest, first (19 days)$1,398.10
Fees + prepaids$13,004.59
Your down payment is the seller’s equity. You take over the $386,449 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $46,554.27 is due at closing. Uses and sources reconcile at $433,003.59 each. Not a Closing Disclosure.