Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,107Cash toward the purchase price.
Closing costs + prepaids$12,763Not just lender fees.
Before credits & paid funds$60,870The complete starting cash picture.
Estimated remaining funds due at closing
$60,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,106.83
Your down payment$48,106.83
Closing costs + prepaids$12,762.95
Total buyer cash needed$60,869.78
Remaining funds due$60,869.78
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,958.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$112.50
Prepaid interest, first (26 days)$1,074.48
Fees + prepaids$12,762.95
Your down payment is the seller’s equity. You take over the $391,793 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $60,869.78 is due at closing. Uses and sources reconcile at $452,662.95 each. Not a Closing Disclosure.