Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$14,489Cash toward the purchase price.
Closing costs + prepaids$14,977Not just lender fees.
Before credits & paid funds$29,466The complete starting cash picture.
Estimated remaining funds due at closing
$29,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,488.66
Your down payment$14,488.66
Closing costs + prepaids$14,977.46
Total buyer cash needed$29,466.12
Remaining funds due$29,466.12
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%)$2,127.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$580.25
Initial HOA (3 months)$252.00
Prepaid interest, first (31 days)$2,399.65
Fees + prepaids$14,977.46
Your down payment is the seller’s equity. You take over the $425,511 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $29,466.12 is due at closing. Uses and sources reconcile at $454,977.46 each. Not a Closing Disclosure.