Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$61,778Cash toward the purchase price.
Closing costs + prepaids$12,853Not just lender fees.
Before credits & paid funds$74,631The complete starting cash picture.
Estimated remaining funds due at closing
$74,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,778.12
Your down payment$61,778.12
Closing costs + prepaids$12,853.31
Total buyer cash needed$74,631.42
Remaining funds due$74,631.42
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,966.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$546.00
Prepaid interest, first (12 days)$323.20
Fees + prepaids$12,853.31
Your down payment is the seller’s equity. You take over the $393,222 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $74,631.42 is due at closing. Uses and sources reconcile at $467,853.31 each. Not a Closing Disclosure.