Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,874Cash toward the purchase price.
Closing costs + prepaids$14,126Not just lender fees.
Before credits & paid funds$49,000The complete starting cash picture.
Estimated remaining funds due at closing
$49,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,873.76
Your down payment$34,873.76
Closing costs + prepaids$14,126.27
Total buyer cash needed$49,000.03
Remaining funds due$49,000.03
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%)$2,025.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$253.00
Prepaid interest, first (31 days)$2,229.64
Fees + prepaids$14,126.27
Your down payment is the seller’s equity. You take over the $405,126 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $49,000.03 is due at closing. Uses and sources reconcile at $454,126.27 each. Not a Closing Disclosure.