Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,727Cash toward the purchase price.
Closing costs + prepaids$14,247Not just lender fees.
Before credits & paid funds$50,974The complete starting cash picture.
Estimated remaining funds due at closing
$50,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,727.25
Your down payment$36,727.25
Closing costs + prepaids$14,246.91
Total buyer cash needed$50,974.16
Remaining funds due$50,974.16
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,041.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1.00
Initial HOA (3 months)$435.00
Prepaid interest, first (28 days)$2,101.54
Fees + prepaids$14,246.91
Your down payment is the seller’s equity. You take over the $408,273 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $50,974.16 is due at closing. Uses and sources reconcile at $459,246.91 each. Not a Closing Disclosure.