Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,731Cash toward the purchase price.
Closing costs + prepaids$14,654Not just lender fees.
Before credits & paid funds$44,385The complete starting cash picture.
Estimated remaining funds due at closing
$44,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,731.02
Your down payment$29,731.02
Closing costs + prepaids$14,654.10
Total buyer cash needed$44,385.12
Remaining funds due$44,385.12
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%)$2,101.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$636.00
Prepaid interest, first (31 days)$2,198.76
Fees + prepaids$14,654.10
Your down payment is the seller’s equity. You take over the $420,269 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $44,385.12 is due at closing. Uses and sources reconcile at $464,654.10 each. Not a Closing Disclosure.