Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$42,892Cash toward the purchase price.
Closing costs + prepaids$14,848Not just lender fees.
Before credits & paid funds$57,741The complete starting cash picture.
Estimated remaining funds due at closing
$57,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,892.12
Your down payment$42,892.12
Closing costs + prepaids$14,848.43
Total buyer cash needed$57,740.55
Remaining funds due$57,740.55
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,080.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$555.25
Prepaid interest, first (28 days)$2,154.64
Fees + prepaids$14,848.43
Your down payment is the seller’s equity. You take over the $416,108 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $57,740.55 is due at closing. Uses and sources reconcile at $473,848.43 each. Not a Closing Disclosure.