Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$50,143Cash toward the purchase price.
Closing costs + prepaids$14,379Not just lender fees.
Before credits & paid funds$64,522The complete starting cash picture.
Estimated remaining funds due at closing
$64,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,143.24
Your down payment$50,143.24
Closing costs + prepaids$14,378.77
Total buyer cash needed$64,522.02
Remaining funds due$64,522.02
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,973.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$868.75
Initial HOA (3 months)$99.00
Prepaid interest, first (24 days)$1,770.24
Fees + prepaids$14,378.77
Your down payment is the seller’s equity. You take over the $394,757 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $64,522.02 is due at closing. Uses and sources reconcile at $459,278.77 each. Not a Closing Disclosure.