Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,040Cash toward the purchase price.
Closing costs + prepaids$12,270Not just lender fees.
Before credits & paid funds$45,310The complete starting cash picture.
Estimated remaining funds due at closing
$45,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,040.39
Your down payment$33,040.39
Closing costs + prepaids$12,269.99
Total buyer cash needed$45,310.37
Remaining funds due$45,310.37
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,759.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$265.50
Initial HOA (3 months)$258.99
Prepaid interest, first (31 days)$917.70
Fees + prepaids$12,269.99
Your down payment is the seller’s equity. You take over the $351,960 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $45,310.37 is due at closing. Uses and sources reconcile at $397,269.99 each. Not a Closing Disclosure.