Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,243Cash toward the purchase price.
Closing costs + prepaids$14,620Not just lender fees.
Before credits & paid funds$59,863The complete starting cash picture.
Estimated remaining funds due at closing
$59,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,243.32
Your down payment$45,243.32
Closing costs + prepaids$14,619.80
Total buyer cash needed$59,863.12
Remaining funds due$59,863.12
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%)$4,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,961.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$476.75
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$2,228.77
Fees + prepaids$14,619.80
Your down payment is the seller’s equity. You take over the $392,257 balance, so the rest of the $437,500 price is paid at closing. A second mortgage can cover part of it. $59,863.12 is due at closing. Uses and sources reconcile at $452,119.80 each. Not a Closing Disclosure.