Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,971Cash toward the purchase price.
Closing costs + prepaids$13,377Not just lender fees.
Before credits & paid funds$47,348The complete starting cash picture.
Estimated remaining funds due at closing
$47,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,971.03
Your down payment$33,971.03
Closing costs + prepaids$13,377.02
Total buyer cash needed$47,348.05
Remaining funds due$47,348.05
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%)$4,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,970.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$506.25
Initial HOA (3 months)$315.00
Prepaid interest, first (31 days)$1,087.63
Fees + prepaids$13,377.02
Your down payment is the seller’s equity. You take over the $394,029 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $47,348.05 is due at closing. Uses and sources reconcile at $441,377.02 each. Not a Closing Disclosure.