Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$61,508Cash toward the purchase price.
Closing costs + prepaids$13,135Not just lender fees.
Before credits & paid funds$74,643The complete starting cash picture.
Estimated remaining funds due at closing
$74,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,508.41
Your down payment$61,508.41
Closing costs + prepaids$13,134.89
Total buyer cash needed$74,643.31
Remaining funds due$74,643.31
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,916.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$535.00
Prepaid interest, first (31 days)$1,015.94
Fees + prepaids$13,134.89
Your down payment is the seller’s equity. You take over the $383,392 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $74,643.31 is due at closing. Uses and sources reconcile at $458,034.89 each. Not a Closing Disclosure.