Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,710Cash toward the purchase price.
Closing costs + prepaids$14,674Not just lender fees.
Before credits & paid funds$43,384The complete starting cash picture.
Estimated remaining funds due at closing
$43,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,710.34
Your down payment$28,710.34
Closing costs + prepaids$14,673.61
Total buyer cash needed$43,383.95
Remaining funds due$43,383.95
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%)$2,106.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$802.50
Prepaid interest, first (26 days)$2,046.66
Fees + prepaids$14,673.61
Your down payment is the seller’s equity. You take over the $421,290 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $43,383.95 is due at closing. Uses and sources reconcile at $464,673.61 each. Not a Closing Disclosure.