Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,910Cash toward the purchase price.
Closing costs + prepaids$13,761Not just lender fees.
Before credits & paid funds$46,671The complete starting cash picture.
Estimated remaining funds due at closing
$46,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,909.99
Your down payment$32,909.99
Closing costs + prepaids$13,761.10
Total buyer cash needed$46,671.10
Remaining funds due$46,671.10
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,060.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$404.50
Prepaid interest, first (23 days)$1,628.15
Fees + prepaids$13,761.10
Your down payment is the seller’s equity. You take over the $412,090 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $46,671.10 is due at closing. Uses and sources reconcile at $458,761.10 each. Not a Closing Disclosure.