Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$44,134Cash toward the purchase price.
Closing costs + prepaids$14,567Not just lender fees.
Before credits & paid funds$58,701The complete starting cash picture.
Estimated remaining funds due at closing
$58,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,133.67
Your down payment$44,133.67
Closing costs + prepaids$14,566.96
Total buyer cash needed$58,700.63
Remaining funds due$58,700.63
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%)$2,029.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,125.00
Prepaid interest, first (24 days)$1,694.63
Fees + prepaids$14,566.96
Your down payment is the seller’s equity. You take over the $405,866 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $58,700.63 is due at closing. Uses and sources reconcile at $464,566.96 each. Not a Closing Disclosure.