Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$62,315Cash toward the purchase price.
Closing costs + prepaids$13,724Not just lender fees.
Before credits & paid funds$76,039The complete starting cash picture.
Estimated remaining funds due at closing
$76,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,314.79
Your down payment$62,314.79
Closing costs + prepaids$13,723.87
Total buyer cash needed$76,038.66
Remaining funds due$76,038.66
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,937.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,126.00
Prepaid interest, first (30 days)$942.95
Fees + prepaids$13,723.87
Your down payment is the seller’s equity. You take over the $387,585 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $76,038.66 is due at closing. Uses and sources reconcile at $463,623.87 each. Not a Closing Disclosure.