Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,379Cash toward the purchase price.
Closing costs + prepaids$14,561Not just lender fees.
Before credits & paid funds$39,940The complete starting cash picture.
Estimated remaining funds due at closing
$39,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,378.75
Your down payment$25,378.75
Closing costs + prepaids$14,561.44
Total buyer cash needed$39,940.19
Remaining funds due$39,940.19
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,048.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,703.00
Prepaid interest, first (30 days)$1,242.33
Fees + prepaids$14,561.44
Your down payment is the seller’s equity. You take over the $409,621 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $39,940.19 is due at closing. Uses and sources reconcile at $449,561.44 each. Not a Closing Disclosure.