Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$41,088Cash toward the purchase price.
Closing costs + prepaids$13,042Not just lender fees.
Before credits & paid funds$54,130The complete starting cash picture.
Estimated remaining funds due at closing
$54,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,088.44
Your down payment$41,088.44
Closing costs + prepaids$13,041.96
Total buyer cash needed$54,130.40
Remaining funds due$54,130.40
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%)$2,044.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (10 days)$739.40
Fees + prepaids$13,041.96
Your down payment is the seller’s equity. You take over the $408,912 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $54,130.40 is due at closing. Uses and sources reconcile at $463,041.96 each. Not a Closing Disclosure.