Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,012Cash toward the purchase price.
Closing costs + prepaids$12,981Not just lender fees.
Before credits & paid funds$63,993The complete starting cash picture.
Estimated remaining funds due at closing
$63,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,012.33
Your down payment$51,012.33
Closing costs + prepaids$12,980.55
Total buyer cash needed$63,992.88
Remaining funds due$63,992.88
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%)$1,944.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,352.50
Prepaid interest, first (1 days)$65.12
Fees + prepaids$12,980.55
Your down payment is the seller’s equity. You take over the $388,988 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $63,992.88 is due at closing. Uses and sources reconcile at $452,980.55 each. Not a Closing Disclosure.