Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$92,296Cash toward the purchase price.
Closing costs + prepaids$13,691Not just lender fees.
Before credits & paid funds$105,986The complete starting cash picture.
Estimated remaining funds due at closing
$105,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,295.62
Your down payment$92,295.62
Closing costs + prepaids$13,690.76
Total buyer cash needed$105,986.38
Remaining funds due$105,986.38
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%)$1,738.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.50
Initial HOA (3 months)$39.00
Prepaid interest, first (30 days)$1,854.74
Fees + prepaids$13,690.76
Your down payment is the seller’s equity. You take over the $347,704 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $105,986.38 is due at closing. Uses and sources reconcile at $453,690.76 each. Not a Closing Disclosure.