Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$31,857Cash toward the purchase price.
Closing costs + prepaids$13,188Not just lender fees.
Before credits & paid funds$45,045The complete starting cash picture.
Estimated remaining funds due at closing
$45,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,856.94
Your down payment$31,856.94
Closing costs + prepaids$13,187.83
Total buyer cash needed$45,044.77
Remaining funds due$45,044.77
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%)$2,040.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$729.00
Initial HOA (3 months)$37.50
Prepaid interest, first (22 days)$762.61
Fees + prepaids$13,187.83
Your down payment is the seller’s equity. You take over the $408,143 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $45,044.77 is due at closing. Uses and sources reconcile at $453,187.83 each. Not a Closing Disclosure.