Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$58,909Cash toward the purchase price.
Closing costs + prepaids$14,565Not just lender fees.
Before credits & paid funds$73,473The complete starting cash picture.
Estimated remaining funds due at closing
$73,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,908.73
Your down payment$58,908.73
Closing costs + prepaids$14,564.69
Total buyer cash needed$73,473.42
Remaining funds due$73,473.42
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,030.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$614.75
Prepaid interest, first (23 days)$1,801.49
Fees + prepaids$14,564.69
Your down payment is the seller’s equity. You take over the $406,091 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $73,473.42 is due at closing. Uses and sources reconcile at $479,564.69 each. Not a Closing Disclosure.