Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$41,606Cash toward the purchase price.
Closing costs + prepaids$13,405Not just lender fees.
Before credits & paid funds$55,012The complete starting cash picture.
Estimated remaining funds due at closing
$55,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,606.40
Your down payment$41,606.40
Closing costs + prepaids$13,405.28
Total buyer cash needed$55,011.69
Remaining funds due$55,011.69
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,991.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$673.25
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$913.57
Fees + prepaids$13,405.28
Your down payment is the seller’s equity. You take over the $398,294 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $55,011.69 is due at closing. Uses and sources reconcile at $453,305.28 each. Not a Closing Disclosure.