Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,200Cash toward the purchase price.
Closing costs + prepaids$13,657Not just lender fees.
Before credits & paid funds$58,857The complete starting cash picture.
Estimated remaining funds due at closing
$58,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,200.04
Your down payment$45,200.04
Closing costs + prepaids$13,656.94
Total buyer cash needed$58,856.98
Remaining funds due$58,856.98
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,823.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,105.50
Prepaid interest, first (27 days)$1,410.94
Fees + prepaids$13,656.94
Your down payment is the seller’s equity. You take over the $364,700 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $58,856.98 is due at closing. Uses and sources reconcile at $423,556.94 each. Not a Closing Disclosure.