Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$49,009Cash toward the purchase price.
Closing costs + prepaids$13,955Not just lender fees.
Before credits & paid funds$62,964The complete starting cash picture.
Estimated remaining funds due at closing
$62,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,009.16
Your down payment$49,009.16
Closing costs + prepaids$13,954.94
Total buyer cash needed$62,964.10
Remaining funds due$62,964.10
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%)$4,449.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,979.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$556.25
Initial HOA (3 months)$540.00
Prepaid interest, first (15 days)$1,210.75
Fees + prepaids$13,954.94
Your down payment is the seller’s equity. You take over the $395,990 balance, so the rest of the $444,999 price is paid at closing. A second mortgage can cover part of it. $62,964.10 is due at closing. Uses and sources reconcile at $458,953.94 each. Not a Closing Disclosure.