Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$52,410Cash toward the purchase price.
Closing costs + prepaids$14,182Not just lender fees.
Before credits & paid funds$66,591The complete starting cash picture.
Estimated remaining funds due at closing
$66,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,409.59
Your down payment$52,409.59
Closing costs + prepaids$14,181.89
Total buyer cash needed$66,591.48
Remaining funds due$66,591.48
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,012.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,058.50
Initial HOA (3 months)$231.00
Prepaid interest, first (22 days)$861.43
Fees + prepaids$14,181.89
Your down payment is the seller’s equity. You take over the $402,590 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $66,591.48 is due at closing. Uses and sources reconcile at $469,181.89 each. Not a Closing Disclosure.