Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,443Cash toward the purchase price.
Closing costs + prepaids$13,161Not just lender fees.
Before credits & paid funds$46,604The complete starting cash picture.
Estimated remaining funds due at closing
$46,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,442.87
Your down payment$33,442.87
Closing costs + prepaids$13,160.64
Total buyer cash needed$46,603.51
Remaining funds due$46,603.51
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,707.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$262.75
Initial HOA (3 months)$234.99
Prepaid interest, first (31 days)$1,987.11
Fees + prepaids$13,160.64
Your down payment is the seller’s equity. You take over the $341,557 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $46,603.51 is due at closing. Uses and sources reconcile at $388,160.64 each. Not a Closing Disclosure.