Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$29,901Cash toward the purchase price.
Closing costs + prepaids$14,313Not just lender fees.
Before credits & paid funds$44,215The complete starting cash picture.
Estimated remaining funds due at closing
$44,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,901.45
Your down payment$29,901.45
Closing costs + prepaids$14,313.49
Total buyer cash needed$44,214.94
Remaining funds due$44,214.94
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,100.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$795.50
Prepaid interest, first (23 days)$1,699.50
Fees + prepaids$14,313.49
Your down payment is the seller’s equity. You take over the $420,099 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $44,214.94 is due at closing. Uses and sources reconcile at $464,313.49 each. Not a Closing Disclosure.