Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$54,780Cash toward the purchase price.
Closing costs + prepaids$14,665Not just lender fees.
Before credits & paid funds$69,445The complete starting cash picture.
Estimated remaining funds due at closing
$69,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,780.02
Your down payment$54,780.02
Closing costs + prepaids$14,665.45
Total buyer cash needed$69,445.47
Remaining funds due$69,445.47
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,051.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$474.25
Prepaid interest, first (26 days)$2,022.10
Fees + prepaids$14,665.45
Your down payment is the seller’s equity. You take over the $410,220 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $69,445.47 is due at closing. Uses and sources reconcile at $479,665.45 each. Not a Closing Disclosure.