Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$61,040Cash toward the purchase price.
Closing costs + prepaids$13,456Not just lender fees.
Before credits & paid funds$74,497The complete starting cash picture.
Estimated remaining funds due at closing
$74,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,040.45
Your down payment$61,040.45
Closing costs + prepaids$13,456.11
Total buyer cash needed$74,496.56
Remaining funds due$74,496.56
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%)$1,944.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$230.00
Prepaid interest, first (24 days)$1,564.81
Fees + prepaids$13,456.11
Your down payment is the seller’s equity. You take over the $388,860 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $74,496.56 is due at closing. Uses and sources reconcile at $463,356.11 each. Not a Closing Disclosure.