Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$74,454Cash toward the purchase price.
Closing costs + prepaids$15,458Not just lender fees.
Before credits & paid funds$89,912The complete starting cash picture.
Estimated remaining funds due at closing
$89,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,453.73
Your down payment$74,453.73
Closing costs + prepaids$15,458.10
Total buyer cash needed$89,911.83
Remaining funds due$89,911.83
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%)$1,827.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,100.00
Initial HOA (3 months)$1,329.00
Prepaid interest, first (31 days)$1,583.37
Fees + prepaids$15,458.10
Your down payment is the seller’s equity. You take over the $365,546 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $89,911.83 is due at closing. Uses and sources reconcile at $455,458.10 each. Not a Closing Disclosure.