Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$110,385Cash toward the purchase price.
Closing costs + prepaids$13,624Not just lender fees.
Before credits & paid funds$124,009The complete starting cash picture.
Estimated remaining funds due at closing
$124,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,384.86
Your down payment$110,384.86
Closing costs + prepaids$13,624.47
Total buyer cash needed$124,009.34
Remaining funds due$124,009.34
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%)$1,648.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,306.00
Initial HOA (3 months)$174.99
Prepaid interest, first (28 days)$877.41
Fees + prepaids$13,624.47
Your down payment is the seller’s equity. You take over the $329,615 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $124,009.34 is due at closing. Uses and sources reconcile at $453,624.47 each. Not a Closing Disclosure.