Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$56,803Cash toward the purchase price.
Closing costs + prepaids$12,654Not just lender fees.
Before credits & paid funds$69,457The complete starting cash picture.
Estimated remaining funds due at closing
$69,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,802.51
Your down payment$56,802.51
Closing costs + prepaids$12,654.14
Total buyer cash needed$69,456.65
Remaining funds due$69,456.65
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%)$1,965.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Initial HOA (3 months)$58.50
Prepaid interest, first (10 days)$371.65
Fees + prepaids$12,654.14
Your down payment is the seller’s equity. You take over the $393,197 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $69,456.65 is due at closing. Uses and sources reconcile at $462,654.14 each. Not a Closing Disclosure.