Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,489Cash toward the purchase price.
Closing costs + prepaids$13,525Not just lender fees.
Before credits & paid funds$59,015The complete starting cash picture.
Estimated remaining funds due at closing
$59,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,489.39
Your down payment$45,489.39
Closing costs + prepaids$13,525.23
Total buyer cash needed$59,014.62
Remaining funds due$59,014.62
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,922.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$278.00
Prepaid interest, first (25 days)$1,806.67
Fees + prepaids$13,525.23
Your down payment is the seller’s equity. You take over the $384,511 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $59,014.62 is due at closing. Uses and sources reconcile at $443,525.23 each. Not a Closing Disclosure.