Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$46,089Cash toward the purchase price.
Closing costs + prepaids$13,719Not just lender fees.
Before credits & paid funds$59,808The complete starting cash picture.
Estimated remaining funds due at closing
$59,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,089.13
Your down payment$46,089.13
Closing costs + prepaids$13,719.13
Total buyer cash needed$59,808.26
Remaining funds due$59,808.26
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,964.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$526.75
Initial HOA (3 months)$1,200.00
Prepaid interest, first (12 days)$419.82
Fees + prepaids$13,719.13
Your down payment is the seller’s equity. You take over the $392,911 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $59,808.26 is due at closing. Uses and sources reconcile at $452,719.13 each. Not a Closing Disclosure.