Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,266Cash toward the purchase price.
Closing costs + prepaids$14,425Not just lender fees.
Before credits & paid funds$55,691The complete starting cash picture.
Estimated remaining funds due at closing
$55,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,265.86
Your down payment$41,265.86
Closing costs + prepaids$14,424.91
Total buyer cash needed$55,690.78
Remaining funds due$55,690.78
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%)$2,038.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$490.75
Initial HOA (3 months)$411.00
Prepaid interest, first (31 days)$1,776.49
Fees + prepaids$14,424.91
Your down payment is the seller’s equity. You take over the $407,734 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $55,690.78 is due at closing. Uses and sources reconcile at $463,424.91 each. Not a Closing Disclosure.