Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$400,664Cash toward the purchase price.
Closing costs + prepaids$10,580Not just lender fees.
Before credits & paid funds$411,244The complete starting cash picture.
Estimated remaining funds due at closing
$411,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,664.10
Your down payment$400,664.10
Closing costs + prepaids$10,579.79
Total buyer cash needed$411,243.89
Remaining funds due$411,243.89
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$241.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.00
Prepaid interest, first (30 days)$276.11
Fees + prepaids$10,579.79
Your down payment is the seller’s equity. You take over the $48,336 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $411,243.89 is due at closing. Uses and sources reconcile at $459,579.79 each. Not a Closing Disclosure.