Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,153Cash toward the purchase price.
Closing costs + prepaids$13,975Not just lender fees.
Before credits & paid funds$44,128The complete starting cash picture.
Estimated remaining funds due at closing
$44,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,153.18
Your down payment$30,153.18
Closing costs + prepaids$13,975.24
Total buyer cash needed$44,128.42
Remaining funds due$44,128.42
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%)$2,094.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.25
Prepaid interest, first (31 days)$1,970.76
Fees + prepaids$13,975.24
Your down payment is the seller’s equity. You take over the $418,847 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $44,128.42 is due at closing. Uses and sources reconcile at $462,975.24 each. Not a Closing Disclosure.