Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,548Cash toward the purchase price.
Closing costs + prepaids$12,733Not just lender fees.
Before credits & paid funds$45,280The complete starting cash picture.
Estimated remaining funds due at closing
$45,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,547.91
Your down payment$32,547.91
Closing costs + prepaids$12,732.55
Total buyer cash needed$45,280.47
Remaining funds due$45,280.47
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%)$2,037.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$960.75
Prepaid interest, first (2 days)$116.54
Fees + prepaids$12,732.55
Your down payment is the seller’s equity. You take over the $407,452 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $45,280.47 is due at closing. Uses and sources reconcile at $452,732.55 each. Not a Closing Disclosure.