Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$50,270Cash toward the purchase price.
Closing costs + prepaids$14,013Not just lender fees.
Before credits & paid funds$64,283The complete starting cash picture.
Estimated remaining funds due at closing
$64,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,270.11
Your down payment$50,270.11
Closing costs + prepaids$14,013.00
Total buyer cash needed$64,283.11
Remaining funds due$64,283.11
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%)$1,973.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$572.50
Initial HOA (3 months)$420.00
Prepaid interest, first (30 days)$1,378.85
Fees + prepaids$14,013.00
Your down payment is the seller’s equity. You take over the $394,730 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $64,283.11 is due at closing. Uses and sources reconcile at $459,013.00 each. Not a Closing Disclosure.