Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$46,242Cash toward the purchase price.
Closing costs + prepaids$12,660Not just lender fees.
Before credits & paid funds$58,902The complete starting cash picture.
Estimated remaining funds due at closing
$58,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,242.50
Your down payment$46,242.50
Closing costs + prepaids$12,659.72
Total buyer cash needed$58,902.22
Remaining funds due$58,902.22
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%)$4,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,943.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,013.75
Prepaid interest, first (2 days)$134.20
Fees + prepaids$12,659.72
Your down payment is the seller’s equity. You take over the $388,757 balance, so the rest of the $434,999 price is paid at closing. A second mortgage can cover part of it. $58,902.22 is due at closing. Uses and sources reconcile at $447,658.72 each. Not a Closing Disclosure.