Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$24,753Cash toward the purchase price.
Closing costs + prepaids$15,793Not just lender fees.
Before credits & paid funds$40,547The complete starting cash picture.
Estimated remaining funds due at closing
$40,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,753.39
Your down payment$24,753.39
Closing costs + prepaids$15,793.43
Total buyer cash needed$40,546.82
Remaining funds due$40,546.82
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,071.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$888.00
Initial HOA (3 months)$945.00
Prepaid interest, first (30 days)$2,281.19
Fees + prepaids$15,793.43
Your down payment is the seller’s equity. You take over the $414,247 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $40,546.82 is due at closing. Uses and sources reconcile at $454,793.43 each. Not a Closing Disclosure.