Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$30,176Cash toward the purchase price.
Closing costs + prepaids$15,584Not just lender fees.
Before credits & paid funds$45,761The complete starting cash picture.
Estimated remaining funds due at closing
$45,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,176.10
Your down payment$30,176.10
Closing costs + prepaids$15,584.47
Total buyer cash needed$45,760.57
Remaining funds due$45,760.57
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,074.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,441.00
Initial HOA (3 months)$246.99
Prepaid interest, first (28 days)$2,154.36
Fees + prepaids$15,584.47
Your down payment is the seller’s equity. You take over the $414,824 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $45,760.57 is due at closing. Uses and sources reconcile at $460,584.47 each. Not a Closing Disclosure.