Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$52,356Cash toward the purchase price.
Closing costs + prepaids$14,979Not just lender fees.
Before credits & paid funds$67,335The complete starting cash picture.
Estimated remaining funds due at closing
$67,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,356.17
Your down payment$52,356.17
Closing costs + prepaids$14,978.67
Total buyer cash needed$67,334.84
Remaining funds due$67,334.84
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,037.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,224.00
Initial HOA (3 months)$294.00
Prepaid interest, first (22 days)$1,355.95
Fees + prepaids$14,978.67
Your down payment is the seller’s equity. You take over the $407,544 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $67,334.84 is due at closing. Uses and sources reconcile at $474,878.67 each. Not a Closing Disclosure.