Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$36,751Cash toward the purchase price.
Closing costs + prepaids$15,071Not just lender fees.
Before credits & paid funds$51,822The complete starting cash picture.
Estimated remaining funds due at closing
$51,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,750.96
Your down payment$36,750.96
Closing costs + prepaids$15,071.28
Total buyer cash needed$51,822.23
Remaining funds due$51,822.23
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,040.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$777.50
Initial HOA (3 months)$795.99
Prepaid interest, first (24 days)$1,790.04
Fees + prepaids$15,071.28
Your down payment is the seller’s equity. You take over the $408,149 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $51,822.23 is due at closing. Uses and sources reconcile at $459,971.28 each. Not a Closing Disclosure.