Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$445,600Cash toward the purchase price.
Closing costs + prepaids$10,256Not just lender fees.
Before credits & paid funds$455,857The complete starting cash picture.
Estimated remaining funds due at closing
$455,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,600.26
Your down payment$445,600.26
Closing costs + prepaids$10,256.39
Total buyer cash needed$455,856.65
Remaining funds due$455,856.65
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$22.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$508.75
Prepaid interest, first (22 days)$7.64
Fees + prepaids$10,256.39
Your down payment is the seller’s equity. You take over the $4,400 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $455,856.65 is due at closing. Uses and sources reconcile at $460,256.39 each. Not a Closing Disclosure.