Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$445,600Cash toward the purchase price.
Closing costs + prepaids$10,259Not just lender fees.
Before credits & paid funds$455,859The complete starting cash picture.
Estimated remaining funds due at closing
$455,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,600.26
Your down payment$445,600.26
Closing costs + prepaids$10,259.16
Total buyer cash needed$455,859.43
Remaining funds due$455,859.43
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$22.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$508.75
Prepaid interest, first (30 days)$10.41
Fees + prepaids$10,259.16
Your down payment is the seller’s equity. You take over the $4,400 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $455,859.43 is due at closing. Uses and sources reconcile at $460,259.16 each. Not a Closing Disclosure.