Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$48,589Cash toward the purchase price.
Closing costs + prepaids$14,431Not just lender fees.
Before credits & paid funds$63,020The complete starting cash picture.
Estimated remaining funds due at closing
$63,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,589.22
Your down payment$48,589.22
Closing costs + prepaids$14,430.82
Total buyer cash needed$63,020.05
Remaining funds due$63,020.05
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%)$4,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,972.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$577.50
Initial HOA (3 months)$84.00
Prepaid interest, first (30 days)$2,149.27
Fees + prepaids$14,430.82
Your down payment is the seller’s equity. You take over the $394,411 balance, so the rest of the $443,000 price is paid at closing. A second mortgage can cover part of it. $63,020.05 is due at closing. Uses and sources reconcile at $457,430.82 each. Not a Closing Disclosure.