Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$26,473Cash toward the purchase price.
Closing costs + prepaids$14,227Not just lender fees.
Before credits & paid funds$40,700The complete starting cash picture.
Estimated remaining funds due at closing
$40,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,472.67
Your down payment$26,472.67
Closing costs + prepaids$14,227.33
Total buyer cash needed$40,700.01
Remaining funds due$40,700.01
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,117.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.25
Prepaid interest, first (26 days)$2,038.95
Fees + prepaids$14,227.33
Your down payment is the seller’s equity. You take over the $423,427 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $40,700.01 is due at closing. Uses and sources reconcile at $464,127.33 each. Not a Closing Disclosure.