Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$18,051Cash toward the purchase price.
Closing costs + prepaids$14,698Not just lender fees.
Before credits & paid funds$32,749The complete starting cash picture.
Estimated remaining funds due at closing
$32,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,050.99
Your down payment$18,050.99
Closing costs + prepaids$14,697.68
Total buyer cash needed$32,748.67
Remaining funds due$32,748.67
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%)$2,109.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$736.50
Prepaid interest, first (28 days)$2,233.44
Fees + prepaids$14,697.68
Your down payment is the seller’s equity. You take over the $421,949 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $32,748.67 is due at closing. Uses and sources reconcile at $454,697.68 each. Not a Closing Disclosure.