Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$40,233Cash toward the purchase price.
Closing costs + prepaids$14,495Not just lender fees.
Before credits & paid funds$54,728The complete starting cash picture.
Estimated remaining funds due at closing
$54,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,232.65
Your down payment$40,232.65
Closing costs + prepaids$14,495.44
Total buyer cash needed$54,728.09
Remaining funds due$54,728.09
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,048.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$665.75
Initial HOA (3 months)$82.50
Prepaid interest, first (28 days)$1,980.36
Fees + prepaids$14,495.44
Your down payment is the seller’s equity. You take over the $409,767 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $54,728.09 is due at closing. Uses and sources reconcile at $464,495.44 each. Not a Closing Disclosure.