Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,930Cash toward the purchase price.
Closing costs + prepaids$13,297Not just lender fees.
Before credits & paid funds$70,227The complete starting cash picture.
Estimated remaining funds due at closing
$70,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,929.73
Your down payment$56,929.73
Closing costs + prepaids$13,297.50
Total buyer cash needed$70,227.23
Remaining funds due$70,227.23
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,990.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$342.50
Prepaid interest, first (28 days)$946.64
Fees + prepaids$13,297.50
Your down payment is the seller’s equity. You take over the $398,070 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $70,227.23 is due at closing. Uses and sources reconcile at $468,297.50 each. Not a Closing Disclosure.