Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,254Cash toward the purchase price.
Closing costs + prepaids$13,161Not just lender fees.
Before credits & paid funds$36,415The complete starting cash picture.
Estimated remaining funds due at closing
$36,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,253.54
Your down payment$23,253.54
Closing costs + prepaids$13,161.27
Total buyer cash needed$36,414.81
Remaining funds due$36,414.81
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,108.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$361.25
Prepaid interest, first (24 days)$1,023.28
Fees + prepaids$13,161.27
Your down payment is the seller’s equity. You take over the $421,746 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $36,414.81 is due at closing. Uses and sources reconcile at $458,161.27 each. Not a Closing Disclosure.