Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,964Cash toward the purchase price.
Closing costs + prepaids$14,668Not just lender fees.
Before credits & paid funds$78,632The complete starting cash picture.
Estimated remaining funds due at closing
$78,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,964.29
Your down payment$63,964.29
Closing costs + prepaids$14,667.71
Total buyer cash needed$78,632.00
Remaining funds due$78,632.00
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%)$1,880.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,100.00
Prepaid interest, first (27 days)$2,069.54
Fees + prepaids$14,667.71
Your down payment is the seller’s equity. You take over the $376,036 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $78,632.00 is due at closing. Uses and sources reconcile at $454,667.71 each. Not a Closing Disclosure.