Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$52,186Cash toward the purchase price.
Closing costs + prepaids$12,697Not just lender fees.
Before credits & paid funds$64,883The complete starting cash picture.
Estimated remaining funds due at closing
$64,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,186.19
Your down payment$52,186.19
Closing costs + prepaids$12,696.98
Total buyer cash needed$64,883.17
Remaining funds due$64,883.17
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,989.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (6 days)$449.91
Fees + prepaids$12,696.98
Your down payment is the seller’s equity. You take over the $397,814 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $64,883.17 is due at closing. Uses and sources reconcile at $462,696.98 each. Not a Closing Disclosure.