Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$55,121Cash toward the purchase price.
Closing costs + prepaids$13,148Not just lender fees.
Before credits & paid funds$68,269The complete starting cash picture.
Estimated remaining funds due at closing
$68,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,120.91
Your down payment$55,120.91
Closing costs + prepaids$13,148.41
Total buyer cash needed$68,269.32
Remaining funds due$68,269.32
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%)$1,924.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,189.75
Initial HOA (3 months)$324.00
Prepaid interest, first (2 days)$92.27
Fees + prepaids$13,148.41
Your down payment is the seller’s equity. You take over the $384,879 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $68,269.32 is due at closing. Uses and sources reconcile at $453,148.41 each. Not a Closing Disclosure.