Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$7,404Cash toward the purchase price.
Closing costs + prepaids$14,438Not just lender fees.
Before credits & paid funds$21,842The complete starting cash picture.
Estimated remaining funds due at closing
$21,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,404.17
Your down payment$7,404.17
Closing costs + prepaids$14,437.50
Total buyer cash needed$21,841.67
Remaining funds due$21,841.67
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,212.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.50
Prepaid interest, first (27 days)$2,114.52
Fees + prepaids$14,437.50
Your down payment is the seller’s equity. You take over the $442,496 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $21,841.67 is due at closing. Uses and sources reconcile at $464,337.50 each. Not a Closing Disclosure.