Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,725Cash toward the purchase price.
Closing costs + prepaids$12,036Not just lender fees.
Before credits & paid funds$35,761The complete starting cash picture.
Estimated remaining funds due at closing
$35,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,725.14
Your down payment$23,725.14
Closing costs + prepaids$12,035.88
Total buyer cash needed$35,761.02
Remaining funds due$35,761.02
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,081.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$196.00
Prepaid interest, first (2 days)$140.51
Fees + prepaids$12,035.88
Your down payment is the seller’s equity. You take over the $416,275 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $35,761.02 is due at closing. Uses and sources reconcile at $452,035.88 each. Not a Closing Disclosure.