Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$50,188Cash toward the purchase price.
Closing costs + prepaids$15,153Not just lender fees.
Before credits & paid funds$65,341The complete starting cash picture.
Estimated remaining funds due at closing
$65,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,188.24
Your down payment$50,188.24
Closing costs + prepaids$15,153.01
Total buyer cash needed$65,341.25
Remaining funds due$65,341.25
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%)$4,525.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,011.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,599.50
Prepaid interest, first (23 days)$1,548.96
Fees + prepaids$15,153.01
Your down payment is the seller’s equity. You take over the $402,312 balance, so the rest of the $452,500 price is paid at closing. A second mortgage can cover part of it. $65,341.25 is due at closing. Uses and sources reconcile at $467,653.01 each. Not a Closing Disclosure.