Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$33,164Cash toward the purchase price.
Closing costs + prepaids$12,760Not just lender fees.
Before credits & paid funds$45,924The complete starting cash picture.
Estimated remaining funds due at closing
$45,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,164.36
Your down payment$33,164.36
Closing costs + prepaids$12,760.02
Total buyer cash needed$45,924.37
Remaining funds due$45,924.37
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,859.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$486.00
Initial HOA (3 months)$362.01
Prepaid interest, first (12 days)$784.83
Fees + prepaids$12,760.02
Your down payment is the seller’s equity. You take over the $371,836 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $45,924.37 is due at closing. Uses and sources reconcile at $417,760.02 each. Not a Closing Disclosure.