Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$41,026Cash toward the purchase price.
Closing costs + prepaids$13,696Not just lender fees.
Before credits & paid funds$54,722The complete starting cash picture.
Estimated remaining funds due at closing
$54,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,026.41
Your down payment$41,026.41
Closing costs + prepaids$13,695.71
Total buyer cash needed$54,722.12
Remaining funds due$54,722.12
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,044.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$964.75
Prepaid interest, first (30 days)$968.09
Fees + prepaids$13,695.71
Your down payment is the seller’s equity. You take over the $408,974 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $54,722.12 is due at closing. Uses and sources reconcile at $463,695.71 each. Not a Closing Disclosure.