Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$57,562Cash toward the purchase price.
Closing costs + prepaids$14,625Not just lender fees.
Before credits & paid funds$72,188The complete starting cash picture.
Estimated remaining funds due at closing
$72,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,562.05
Your down payment$57,562.05
Closing costs + prepaids$14,625.47
Total buyer cash needed$72,187.52
Remaining funds due$72,187.52
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,937.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$643.75
Initial HOA (3 months)$1,019.01
Prepaid interest, first (21 days)$1,357.52
Fees + prepaids$14,625.47
Your down payment is the seller’s equity. You take over the $387,438 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $72,187.52 is due at closing. Uses and sources reconcile at $459,625.47 each. Not a Closing Disclosure.