Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$25,963Cash toward the purchase price.
Closing costs + prepaids$13,794Not just lender fees.
Before credits & paid funds$39,756The complete starting cash picture.
Estimated remaining funds due at closing
$39,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,962.64
Your down payment$25,962.64
Closing costs + prepaids$13,793.64
Total buyer cash needed$39,756.28
Remaining funds due$39,756.28
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%)$2,070.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$351.00
Prepaid interest, first (17 days)$1,226.46
Fees + prepaids$13,793.64
Your down payment is the seller’s equity. You take over the $414,037 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $39,756.28 is due at closing. Uses and sources reconcile at $453,793.64 each. Not a Closing Disclosure.