Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$50,338Cash toward the purchase price.
Closing costs + prepaids$14,281Not just lender fees.
Before credits & paid funds$64,619The complete starting cash picture.
Estimated remaining funds due at closing
$64,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,338.47
Your down payment$50,338.47
Closing costs + prepaids$14,280.67
Total buyer cash needed$64,619.15
Remaining funds due$64,619.15
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,972.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$700.25
Initial HOA (3 months)$33.75
Prepaid interest, first (28 days)$1,906.87
Fees + prepaids$14,280.67
Your down payment is the seller’s equity. You take over the $394,562 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $64,619.15 is due at closing. Uses and sources reconcile at $459,180.67 each. Not a Closing Disclosure.