Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,847Cash toward the purchase price.
Closing costs + prepaids$14,708Not just lender fees.
Before credits & paid funds$60,555The complete starting cash picture.
Estimated remaining funds due at closing
$60,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,847.26
Your down payment$45,847.26
Closing costs + prepaids$14,707.93
Total buyer cash needed$60,555.19
Remaining funds due$60,555.19
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,020.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,124.75
Prepaid interest, first (25 days)$1,845.91
Fees + prepaids$14,707.93
Your down payment is the seller’s equity. You take over the $404,053 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $60,555.19 is due at closing. Uses and sources reconcile at $464,607.93 each. Not a Closing Disclosure.