Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$50,303Cash toward the purchase price.
Closing costs + prepaids$13,332Not just lender fees.
Before credits & paid funds$63,635The complete starting cash picture.
Estimated remaining funds due at closing
$63,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,303.22
Your down payment$50,303.22
Closing costs + prepaids$13,331.78
Total buyer cash needed$63,635.00
Remaining funds due$63,635.00
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,973.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$833.75
Initial HOA (3 months)$58.50
Prepaid interest, first (20 days)$798.04
Fees + prepaids$13,331.78
Your down payment is the seller’s equity. You take over the $394,697 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $63,635.00 is due at closing. Uses and sources reconcile at $458,331.78 each. Not a Closing Disclosure.