Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$31,301Cash toward the purchase price.
Closing costs + prepaids$14,067Not just lender fees.
Before credits & paid funds$45,368The complete starting cash picture.
Estimated remaining funds due at closing
$45,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,301.09
Your down payment$31,301.09
Closing costs + prepaids$14,066.89
Total buyer cash needed$45,367.98
Remaining funds due$45,367.98
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,118.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$568.75
Prepaid interest, first (17 days)$1,361.64
Fees + prepaids$14,066.89
Your down payment is the seller’s equity. You take over the $423,699 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $45,367.98 is due at closing. Uses and sources reconcile at $469,066.89 each. Not a Closing Disclosure.