Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$63,885Cash toward the purchase price.
Closing costs + prepaids$13,829Not just lender fees.
Before credits & paid funds$77,714The complete starting cash picture.
Estimated remaining funds due at closing
$77,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,884.83
Your down payment$63,884.83
Closing costs + prepaids$13,828.86
Total buyer cash needed$77,713.69
Remaining funds due$77,713.69
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%)$1,880.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$392.00
Prepaid interest, first (30 days)$1,938.28
Fees + prepaids$13,828.86
Your down payment is the seller’s equity. You take over the $376,115 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $77,713.69 is due at closing. Uses and sources reconcile at $453,828.86 each. Not a Closing Disclosure.