Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$51,514Cash toward the purchase price.
Closing costs + prepaids$13,589Not just lender fees.
Before credits & paid funds$65,103The complete starting cash picture.
Estimated remaining funds due at closing
$65,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,514.13
Your down payment$51,514.13
Closing costs + prepaids$13,588.76
Total buyer cash needed$65,102.89
Remaining funds due$65,102.89
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%)$1,942.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$415.00
Prepaid interest, first (22 days)$1,613.33
Fees + prepaids$13,588.76
Your down payment is the seller’s equity. You take over the $388,486 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $65,102.89 is due at closing. Uses and sources reconcile at $453,588.76 each. Not a Closing Disclosure.