Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$44,718Cash toward the purchase price.
Closing costs + prepaids$13,851Not just lender fees.
Before credits & paid funds$58,570The complete starting cash picture.
Estimated remaining funds due at closing
$58,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,718.22
Your down payment$44,718.22
Closing costs + prepaids$13,851.44
Total buyer cash needed$58,569.66
Remaining funds due$58,569.66
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%)$4,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,091.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$458.75
Prepaid interest, first (20 days)$1,203.28
Fees + prepaids$13,851.44
Your down payment is the seller’s equity. You take over the $418,282 balance, so the rest of the $463,000 price is paid at closing. A second mortgage can cover part of it. $58,569.66 is due at closing. Uses and sources reconcile at $476,851.44 each. Not a Closing Disclosure.