Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$33,360Cash toward the purchase price.
Closing costs + prepaids$12,257Not just lender fees.
Before credits & paid funds$45,617The complete starting cash picture.
Estimated remaining funds due at closing
$45,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,360.41
Your down payment$33,360.41
Closing costs + prepaids$12,256.91
Total buyer cash needed$45,617.32
Remaining funds due$45,617.32
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%)$3,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,793.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$999.50
Prepaid interest, first (5 days)$326.21
Fees + prepaids$12,256.91
Your down payment is the seller’s equity. You take over the $358,640 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $45,617.32 is due at closing. Uses and sources reconcile at $404,256.91 each. Not a Closing Disclosure.