Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$53,396Cash toward the purchase price.
Closing costs + prepaids$13,399Not just lender fees.
Before credits & paid funds$66,795The complete starting cash picture.
Estimated remaining funds due at closing
$66,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,396.27
Your down payment$53,396.27
Closing costs + prepaids$13,398.83
Total buyer cash needed$66,795.10
Remaining funds due$66,795.10
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%)$4,484.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,975.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$68.75
Prepaid interest, first (25 days)$1,653.06
Fees + prepaids$13,398.83
Your down payment is the seller’s equity. You take over the $395,004 balance, so the rest of the $448,400 price is paid at closing. A second mortgage can cover part of it. $66,795.10 is due at closing. Uses and sources reconcile at $461,798.83 each. Not a Closing Disclosure.