Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,993Cash toward the purchase price.
Closing costs + prepaids$15,144Not just lender fees.
Before credits & paid funds$60,137The complete starting cash picture.
Estimated remaining funds due at closing
$60,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,993.29
Your down payment$44,993.29
Closing costs + prepaids$15,143.77
Total buyer cash needed$60,137.07
Remaining funds due$60,137.07
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%)$4,559.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,054.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,140.00
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$1,846.49
Fees + prepaids$15,143.77
Your down payment is the seller’s equity. You take over the $410,957 balance, so the rest of the $455,950 price is paid at closing. A second mortgage can cover part of it. $60,137.07 is due at closing. Uses and sources reconcile at $471,093.77 each. Not a Closing Disclosure.