Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$59,324Cash toward the purchase price.
Closing costs + prepaids$12,532Not just lender fees.
Before credits & paid funds$71,856The complete starting cash picture.
Estimated remaining funds due at closing
$71,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,323.87
Your down payment$59,323.87
Closing costs + prepaids$12,532.34
Total buyer cash needed$71,856.20
Remaining funds due$71,856.20
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%)$1,928.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$815.50
Prepaid interest, first (2 days)$120.46
Fees + prepaids$12,532.34
Your down payment is the seller’s equity. You take over the $385,676 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $71,856.20 is due at closing. Uses and sources reconcile at $457,532.34 each. Not a Closing Disclosure.