Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$440,678Cash toward the purchase price.
Closing costs + prepaids$12,475Not just lender fees.
Before credits & paid funds$453,153The complete starting cash picture.
Estimated remaining funds due at closing
$453,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,677.62
Your down payment$440,677.62
Closing costs + prepaids$12,474.91
Total buyer cash needed$453,152.53
Remaining funds due$453,152.53
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%)$46.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,694.50
Prepaid interest, first (23 days)$15.80
Fees + prepaids$12,474.91
Your down payment is the seller’s equity. You take over the $9,322 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $453,152.53 is due at closing. Uses and sources reconcile at $462,474.91 each. Not a Closing Disclosure.