Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,344Cash toward the purchase price.
Closing costs + prepaids$12,697Not just lender fees.
Before credits & paid funds$64,041The complete starting cash picture.
Estimated remaining funds due at closing
$64,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,344.00
Your down payment$51,344.00
Closing costs + prepaids$12,696.86
Total buyer cash needed$64,040.86
Remaining funds due$64,040.86
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,068.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$356.00
Prepaid interest, first (2 days)$154.58
Fees + prepaids$12,696.86
Your down payment is the seller’s equity. You take over the $413,656 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $64,040.86 is due at closing. Uses and sources reconcile at $477,696.86 each. Not a Closing Disclosure.