Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$46,690Cash toward the purchase price.
Closing costs + prepaids$12,771Not just lender fees.
Before credits & paid funds$59,461The complete starting cash picture.
Estimated remaining funds due at closing
$59,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,690.08
Your down payment$46,690.08
Closing costs + prepaids$12,770.57
Total buyer cash needed$59,460.65
Remaining funds due$59,460.65
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%)$2,016.55
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)$180.00
Prepaid interest, first (10 days)$316.02
Fees + prepaids$12,770.57
Your down payment is the seller’s equity. You take over the $403,310 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $59,460.65 is due at closing. Uses and sources reconcile at $462,770.57 each. Not a Closing Disclosure.