Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,640Cash toward the purchase price.
Closing costs + prepaids$13,005Not just lender fees.
Before credits & paid funds$58,645The complete starting cash picture.
Estimated remaining funds due at closing
$58,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,640.06
Your down payment$45,640.06
Closing costs + prepaids$13,005.26
Total buyer cash needed$58,645.33
Remaining funds due$58,645.33
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,016.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$355.50
Prepaid interest, first (27 days)$924.97
Fees + prepaids$13,005.26
Your down payment is the seller’s equity. You take over the $403,360 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $58,645.33 is due at closing. Uses and sources reconcile at $462,005.26 each. Not a Closing Disclosure.