Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$53,778Cash toward the purchase price.
Closing costs + prepaids$12,352Not just lender fees.
Before credits & paid funds$66,130The complete starting cash picture.
Estimated remaining funds due at closing
$66,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,778.12
Your down payment$53,778.12
Closing costs + prepaids$12,352.21
Total buyer cash needed$66,130.32
Remaining funds due$66,130.32
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%)$4,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,966.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$536.50
Prepaid interest, first (6 days)$161.60
Fees + prepaids$12,352.21
Your down payment is the seller’s equity. You take over the $393,222 balance, so the rest of the $447,000 price is paid at closing. A second mortgage can cover part of it. $66,130.32 is due at closing. Uses and sources reconcile at $459,352.21 each. Not a Closing Disclosure.