Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$37,341Cash toward the purchase price.
Closing costs + prepaids$14,071Not just lender fees.
Before credits & paid funds$51,412The complete starting cash picture.
Estimated remaining funds due at closing
$51,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,341.48
Your down payment$37,341.48
Closing costs + prepaids$14,070.99
Total buyer cash needed$51,412.47
Remaining funds due$51,412.47
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%)$2,038.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$340.00
Initial HOA (3 months)$210.00
Prepaid interest, first (24 days)$1,814.69
Fees + prepaids$14,070.99
Your down payment is the seller’s equity. You take over the $407,659 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $51,412.47 is due at closing. Uses and sources reconcile at $459,070.99 each. Not a Closing Disclosure.