Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$70,138Cash toward the purchase price.
Closing costs + prepaids$14,317Not just lender fees.
Before credits & paid funds$84,454The complete starting cash picture.
Estimated remaining funds due at closing
$84,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,137.52
Your down payment$70,137.52
Closing costs + prepaids$14,316.74
Total buyer cash needed$84,454.26
Remaining funds due$84,454.26
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,874.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,112.50
Prepaid interest, first (31 days)$1,661.92
Fees + prepaids$14,316.74
Your down payment is the seller’s equity. You take over the $374,862 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $84,454.26 is due at closing. Uses and sources reconcile at $459,316.74 each. Not a Closing Disclosure.