Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,283Cash toward the purchase price.
Closing costs + prepaids$15,195Not just lender fees.
Before credits & paid funds$41,478The complete starting cash picture.
Estimated remaining funds due at closing
$41,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,282.72
Your down payment$26,282.72
Closing costs + prepaids$15,194.91
Total buyer cash needed$41,477.63
Remaining funds due$41,477.63
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,068.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$571.50
Initial HOA (3 months)$402.00
Prepaid interest, first (31 days)$2,536.32
Fees + prepaids$15,194.91
Your down payment is the seller’s equity. You take over the $413,617 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $41,477.63 is due at closing. Uses and sources reconcile at $455,094.91 each. Not a Closing Disclosure.