Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$33,168Cash toward the purchase price.
Closing costs + prepaids$13,951Not just lender fees.
Before credits & paid funds$47,119The complete starting cash picture.
Estimated remaining funds due at closing
$47,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,168.27
Your down payment$33,168.27
Closing costs + prepaids$13,951.11
Total buyer cash needed$47,119.37
Remaining funds due$47,119.37
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%)$2,034.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$960.75
Prepaid interest, first (23 days)$1,338.20
Fees + prepaids$13,951.11
Your down payment is the seller’s equity. You take over the $406,832 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $47,119.37 is due at closing. Uses and sources reconcile at $453,951.11 each. Not a Closing Disclosure.