Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$45,914Cash toward the purchase price.
Closing costs + prepaids$14,288Not just lender fees.
Before credits & paid funds$60,202The complete starting cash picture.
Estimated remaining funds due at closing
$60,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,913.65
Your down payment$45,913.65
Closing costs + prepaids$14,288.42
Total buyer cash needed$60,202.07
Remaining funds due$60,202.07
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%)$4,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,870.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.75
Initial HOA (3 months)$414.00
Prepaid interest, first (30 days)$2,069.26
Fees + prepaids$14,288.42
Your down payment is the seller’s equity. You take over the $374,085 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $60,202.07 is due at closing. Uses and sources reconcile at $434,287.42 each. Not a Closing Disclosure.