Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$44,089Cash toward the purchase price.
Closing costs + prepaids$14,756Not just lender fees.
Before credits & paid funds$58,845The complete starting cash picture.
Estimated remaining funds due at closing
$58,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,089.34
Your down payment$44,089.34
Closing costs + prepaids$14,755.50
Total buyer cash needed$58,844.84
Remaining funds due$58,844.84
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%)$2,029.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,097.25
Initial HOA (3 months)$33.24
Prepaid interest, first (26 days)$1,878.96
Fees + prepaids$14,755.50
Your down payment is the seller’s equity. You take over the $405,811 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $58,844.84 is due at closing. Uses and sources reconcile at $464,655.50 each. Not a Closing Disclosure.