Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$38,402Cash toward the purchase price.
Closing costs + prepaids$13,080Not just lender fees.
Before credits & paid funds$51,482The complete starting cash picture.
Estimated remaining funds due at closing
$51,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,402.04
Your down payment$38,402.04
Closing costs + prepaids$13,080.34
Total buyer cash needed$51,482.38
Remaining funds due$51,482.38
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%)$2,007.99
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)$252.00
Prepaid interest, first (9 days)$674.35
Fees + prepaids$13,080.34
Your down payment is the seller’s equity. You take over the $401,598 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $51,482.38 is due at closing. Uses and sources reconcile at $453,080.34 each. Not a Closing Disclosure.