Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$53,409Cash toward the purchase price.
Closing costs + prepaids$14,582Not just lender fees.
Before credits & paid funds$67,991The complete starting cash picture.
Estimated remaining funds due at closing
$67,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,409.01
Your down payment$53,409.01
Closing costs + prepaids$14,582.15
Total buyer cash needed$67,991.16
Remaining funds due$67,991.16
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,032.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$309.00
Prepaid interest, first (30 days)$2,172.20
Fees + prepaids$14,582.15
Your down payment is the seller’s equity. You take over the $406,591 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $67,991.16 is due at closing. Uses and sources reconcile at $474,582.15 each. Not a Closing Disclosure.