Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$49,350Cash toward the purchase price.
Closing costs + prepaids$14,669Not just lender fees.
Before credits & paid funds$64,018The complete starting cash picture.
Estimated remaining funds due at closing
$64,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,349.54
Your down payment$49,349.54
Closing costs + prepaids$14,668.57
Total buyer cash needed$64,018.11
Remaining funds due$64,018.11
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%)$4,379.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,943.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,095.00
Prepaid interest, first (28 days)$2,033.07
Fees + prepaids$14,668.57
Your down payment is the seller’s equity. You take over the $388,600 balance, so the rest of the $437,950 price is paid at closing. A second mortgage can cover part of it. $64,018.11 is due at closing. Uses and sources reconcile at $452,618.57 each. Not a Closing Disclosure.