Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,523Cash toward the purchase price.
Closing costs + prepaids$14,260Not just lender fees.
Before credits & paid funds$59,783The complete starting cash picture.
Estimated remaining funds due at closing
$59,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,522.93
Your down payment$45,522.93
Closing costs + prepaids$14,260.11
Total buyer cash needed$59,783.04
Remaining funds due$59,783.04
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,922.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$609.25
Initial HOA (3 months)$1,305.00
Prepaid interest, first (28 days)$905.47
Fees + prepaids$14,260.11
Your down payment is the seller’s equity. You take over the $384,477 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $59,783.04 is due at closing. Uses and sources reconcile at $444,260.11 each. Not a Closing Disclosure.