Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$35,138Cash toward the purchase price.
Closing costs + prepaids$13,690Not just lender fees.
Before credits & paid funds$48,827The complete starting cash picture.
Estimated remaining funds due at closing
$48,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,137.64
Your down payment$35,137.64
Closing costs + prepaids$13,689.54
Total buyer cash needed$48,827.18
Remaining funds due$48,827.18
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%)$2,049.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$147.50
Prepaid interest, first (25 days)$1,824.73
Fees + prepaids$13,689.54
Your down payment is the seller’s equity. You take over the $409,862 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $48,827.18 is due at closing. Uses and sources reconcile at $458,689.54 each. Not a Closing Disclosure.