Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,939Cash toward the purchase price.
Closing costs + prepaids$14,291Not just lender fees.
Before credits & paid funds$61,230The complete starting cash picture.
Estimated remaining funds due at closing
$61,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,938.52
Your down payment$46,938.52
Closing costs + prepaids$14,291.16
Total buyer cash needed$61,229.69
Remaining funds due$61,229.69
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,940.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$572.50
Prepaid interest, first (30 days)$2,210.36
Fees + prepaids$14,291.16
Your down payment is the seller’s equity. You take over the $388,061 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $61,229.69 is due at closing. Uses and sources reconcile at $449,291.16 each. Not a Closing Disclosure.