Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,786Cash toward the purchase price.
Closing costs + prepaids$13,919Not just lender fees.
Before credits & paid funds$73,705The complete starting cash picture.
Estimated remaining funds due at closing
$73,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,786.04
Your down payment$59,786.04
Closing costs + prepaids$13,918.73
Total buyer cash needed$73,704.77
Remaining funds due$73,704.77
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,951.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$699.50
Initial HOA (3 months)$10.26
Prepaid interest, first (26 days)$1,539.90
Fees + prepaids$13,918.73
Your down payment is the seller’s equity. You take over the $390,214 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $73,704.77 is due at closing. Uses and sources reconcile at $463,918.73 each. Not a Closing Disclosure.