Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$45,083Cash toward the purchase price.
Closing costs + prepaids$14,194Not just lender fees.
Before credits & paid funds$59,277The complete starting cash picture.
Estimated remaining funds due at closing
$59,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,082.89
Your down payment$45,082.89
Closing costs + prepaids$14,193.99
Total buyer cash needed$59,276.88
Remaining funds due$59,276.88
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,024.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,305.00
Prepaid interest, first (30 days)$1,147.91
Fees + prepaids$14,193.99
Your down payment is the seller’s equity. You take over the $404,817 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $59,276.88 is due at closing. Uses and sources reconcile at $464,093.99 each. Not a Closing Disclosure.