Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$44,858Cash toward the purchase price.
Closing costs + prepaids$11,792Not just lender fees.
Before credits & paid funds$56,649The complete starting cash picture.
Estimated remaining funds due at closing
$56,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,857.67
Your down payment$44,857.67
Closing costs + prepaids$11,791.52
Total buyer cash needed$56,649.19
Remaining funds due$56,649.19
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,800.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$486.00
Prepaid interest, first (6 days)$236.81
Fees + prepaids$11,791.52
Your down payment is the seller’s equity. You take over the $360,142 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $56,649.19 is due at closing. Uses and sources reconcile at $416,791.52 each. Not a Closing Disclosure.