Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$52,895Cash toward the purchase price.
Closing costs + prepaids$14,466Not just lender fees.
Before credits & paid funds$67,361The complete starting cash picture.
Estimated remaining funds due at closing
$67,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,894.56
Your down payment$52,894.56
Closing costs + prepaids$14,466.13
Total buyer cash needed$67,360.69
Remaining funds due$67,360.69
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%)$2,010.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$305.50
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$1,982.10
Fees + prepaids$14,466.13
Your down payment is the seller’s equity. You take over the $402,105 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $67,360.69 is due at closing. Uses and sources reconcile at $469,466.13 each. Not a Closing Disclosure.