Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$44,345Cash toward the purchase price.
Closing costs + prepaids$13,424Not just lender fees.
Before credits & paid funds$57,769The complete starting cash picture.
Estimated remaining funds due at closing
$57,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,345.08
Your down payment$44,345.08
Closing costs + prepaids$13,423.58
Total buyer cash needed$57,768.66
Remaining funds due$57,768.66
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%)$2,028.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.00
Prepaid interest, first (18 days)$1,252.31
Fees + prepaids$13,423.58
Your down payment is the seller’s equity. You take over the $405,655 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $57,768.66 is due at closing. Uses and sources reconcile at $463,423.58 each. Not a Closing Disclosure.